The Security Mentor

BofA is making it harder for a crook to impersonate their online banking web site. They're following a suggestion that's been rattling around the security community and identifying themselves to you with a secret image that you pick when you sign up. Every customer might choose a different secret image so there's no way for a crook to build a fake BofA site that will fool everyone.

Just in case you use the same password everywhere, they protect you from the consequences of a stolen password by requiring both a password and the answer to some personal question before they open up your account.