My credit union has recently "upgraded" their security. You used to log in using your member number and a password. Now, on the first page, you enter your member number, and then you type in the random string generated as a picture. This brings you to the next page, which asks you one of three security questions. And then it brings you to a page where it asks you for your PIN.
Yes, this is more of a pain than it is additional security, but at least I get to have some fun with it. The security questions, you see, are free-form. That's right, you can write your own. So, I have the joy of having my credit union occasionally ask me "Who did you first fuck?"