I have two accounts with IB (one IRA and one trading). I had two security devices, one for each account. One was that card with tons of codes, and the other was a key ring device where you press a small button and it displays some numbers. I finally integrated both accounts so now I only use the key ring device. But I HATE this thing. Every time I want to log in through my home computer, laptop, or now my Droid phone, I have to find my keys and enter the generated code. I know we can opt out, but then we're not covered for any kind of fraud that may occur on our accounts. My laptop and Droid don't remember the username/password, so if it's stolen, it's still worthless to the thief. I'm pretty savvy so I'll never fall for any phishing schemes where the'll steal my password. And I know no one will ever install a "key logger" on my computer. I'm thinking about opting out of this extra security for convenience. Wondering what other users are doing. Do you use your security device or did you opt out?