It's no secret that Clark has a strong bias against the giant monster mega-banks. But he wants to praise Bank of America for their adoption of the SafePass account security system.

The SafePass produces a one-time randomly generated password you need to get into your online account. That password -- which expires immediately after use -- adds a second layer of security beyond just your username and password. So even if a crook has your username and password, they can't access your account without the additional information from the SafePass.

Similar technology has been in use for years in Europe, but our banks have used their powerful lobby to fight what's called "additional authentication" (aka "two-factor authentication").

Bank of America is the first of the major American banks to adopt such a system. The cost for the SafePass is $20. Clark likens it to buying your own insurance policy on an account.

Three years ago, Christa logged into her brokerage account to find that it had been compromised. Someone had sold all her holdings and set up wiring instructions to get the money. Thankfully, she was able to act quickly and reverse the trades.

Her brokerage house then sent her a key fob that offered additional authentication by generating a random code necessary for account access. There is no protection under federal law for brokerage accounts that get looted.