I wonder if the banks have ever considered how they have contributed to the problem. If their pages were straight up, no pop-up's, no JavaVirus, etc.... it would be far easier to tell their customers:
============================================================== Here is what our page looks like:
But of course, that would not be glitzy enough....
My bank does pretty much what you suggest. Have a look here https://ibank.barclays.co.uk/fp/1_2c/online/1,26806,logon,00.html and if that link has timed out or something, just go here https://ibank.barclays.co.uk/ and click the Log-in button. Barclays also uses a "memorable word" in addition to the PIN code. They repeatedly tell us that no-one from Barclays will ever ask us to reveal this memorable word. It's only use is for a simple challenge-response where the website asks for two specific letters from the word and we select them from drop-down boxes to defeat keyloggers. Nice example of layered security that keeps the criminals snapping at the heels of the guy next door, i.e. CitiBank et al. --Michael Dillon