"Now here is a scary scenario on how internet thieves can get into your bank account, " writes Jim Hamm. "I'd not heard of 'ID tokens' previously, but apparently the thieves break into the bank's computer system and 'steal' or access these tokens. Take a read on the rest of the article on what happens next. Perhaps I'll send this article to Chase, our bank. These internet/computer thieves are really getting sophisticated." Jim concludes, "Makes one want to stop doing any banking online."