I echo all of the above posts, having banked on the internet since its inception.
It has certainly become safer over the years, but one still needs to exercise common sense.
Yes, it is a pain to type in your passwords from scratch each time, but having them saved is asking for trouble. And definitely go with the two-step identification via text message.
Be aware that the banks often seem overly restrictive as to what you can do on-line, so be prepared for some frustration and having to jump through hoops even once you are securely logged in.
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