Online banking is usually set-up to be quite secure. The bank makes sure of this, as security is vital to the commercial acceptance of their online services, and to the health of their business as a whole.One popular method of assuring secure online access is to provide customers with a special PIN or access number. This is verified as required through personal information that you supply and through a password that either the bank has supplied you in advance, or a password that you specified when setting up your online account.A number of online banks are also applying an extra layer of security through Site Certificates. Basically, these are unique pieces of code (like the digital equivalent of watermarks) that the bank provides you with to install on your computer. The Site Certificate is required to be present on your computer every time you access your online account, although you will still be asked to log in and give your username and password as a standard security procedure.