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You may be surprised to learn that your bank may not have some of the data security systems in place that are now standard for your email and social media accounts. One of the concerns is that many of the largest and most popular banks, including TD Bank, Citibank and Citizens, do not use a simple but effective method of protecting online accounts called two-factor authentication to prevent unauthorized logins. With so much at risk, why don’t the banks use this standard technology to help protect our data? The answer may not comfort you.