Many organizations are implementing 2SV for "security" purposes. Some are allowing the client to indicate a messaging choice for the code while others are insisting on text messages only. My insurance company and the CRA allow either a text to a mobile phone or a call to any phone (covers land lines). Scotia had a disastrous 2SV system for their mobile App that did not work properly and prevented many cliens from accessing their accounts. Scotia has just announced that they will be implementing 2SV for online banking and iTRADE but the only option will be a text message to a mobile phone - no email and no call back to a landline. What are other brokers doing in this area of "additional security" to access accounts?