Dave wants to know the best way to protect himself when banking online. Leo says that it's obvious that banking personally is far more secure than banking online. But coupling the convenience of online banking with very limited liability, it's hard not to take advantage of it.
Leo recommends using two factor authentication to protect his password because it requires an authentication code sent to his phone. He should make sure he is using "https://" when connecting to his bank's site. His bank should be using that automatically.