I must confess I 'cheated' - I picked this bank because their web site seemed well done (worked in FireFox with no Flash, etc). Also not too intent in nickel-and-diming users.
Their 'password' security is pretty good, too. They have two levels of 8-digit PINs (one to 'read' the account, then another to 'write', i.e. move money out). They only ask for input of 4 out of those 8 digits (randomly, e.g. 3rd, 5th, 6th, 8th), using a on-screen pad (defeats key-logging).
I think Yahoo does that, and so does my bank. Of course, one has to bother creating the seal, but it's an easy one-time step.