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Schwab does let you enter your token code on a separate screen. If you enter your username and password (without appended token code), you'll get this screen: https://www.flickr.com/photos/paul/16079572151/

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You're correct, but that doesn't fix the first activation, which is what I wrote the post about. The real problem is that I thought I had two factor activated for months when I didn't.

True. I was so confused when I got my token — it didn't come with instructions, and there was no activation link on the site.

I ended up calling support to figure out how to set things up.

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