I have several bank accounts...In one of those bank accounts,I have to open up my browser to let in cookies...On the second bank account,I do not have to open up my browser to let cookies in at all...So I think on the second one they actually have two passwords kind of,but also I read something about where there is something inbuilt within the pages that you download onto your computer and your computer is read that way by viewing pages on the internet & so I guess that the second bank does not need you to open up your browser to let in cookies...