My bank uses a 2-part authentication system called PassMark. It works like this:
1) When you set up your account, you select a picture thumbnail (from a set of thousands of available options) and add your choice of text to it. You also select a unique username and password.
2) On the login page, you enter your username.
3) This brings up your PassMark picture and text. If those are correct, then you enter your password.
It's not absolutely perfect, but at least it doesn't have the "you have to have a cellphone and texting" issue.
Possible alternative
1) When you set up your account, you select a picture thumbnail (from a set of thousands of available options) and add your choice of text to it. You also select a unique username and password.
2) On the login page, you enter your username.
3) This brings up your PassMark picture and text. If those are correct, then you enter your password.
It's not absolutely perfect, but at least it doesn't have the "you have to have a cellphone and texting" issue.