To their credit, they do offer sending you a free security token.
Also, do they support e-statements for savings accounts yet? I swear it is the only piece of mail I get now a days.
Overall though they are a great bank with a magic fee-less debit card and human beings who answer the phone 24/7. And they don't seem too evil, but I haven't turned over many rocks.
http://www.schwab.com/public/schwab/nn/legal_compliance/schw...
and expand the "Be strategic with login credentials and passwords" section, it says:
> Consider getting a free security token, too, which can make every login even more secure. Just call us at 800-435-4000.