@Mark - Oz Banking
Thanks for info. My Oz bank charges me $7 a month for the privilege of using my accounts, and a further $85 a year for a credit card. Almost every time I log in (using Debian or OS X) the bank's site 'reminds' me to check I have an up to date anti-virus programme installed. Perhaps I should change to HSBC?
One good thing that they do, is that they send me an SMS text message with a one-time confirmation code if I add a new debtor or send money abroad - Probably costs them (me) a bit though...
Alternatively I could suggest that my bank should offer a discount on these account charges if the user has a hardware based firewall/router/modem. A further discount if IE is not used, and perhaps they should pay me not to use Windows?