Logging Into My Swiss Bank Account

This is the process for logging onto my US bank accounts:

1. Go to bank homepage.
   
2. Enter login.
3. Enter password.
4. Hit okay. I can now access my account.
   

This is the process for logging onto my Swiss bank account:

1. Go to the bank homepage.
   
2. Enter the multi-digit “agreement number.” The computer screen then gives me a series of numbers that must be decoded.
3. I turn on the personal calculator the bank gave me that doubles as a password decoder – but only when my special identification card is inserted in the back.
4. Enter my PIN into the calculator to turn it into a decoder (after 3 failed attempts, the calculator is deactivated).
   
5. Once the decoder part of the calculator is activated, I enter the numbers on the computer screen.
   
6. The calculator spits out a new code composed of numbers and letters. These are what I enter into the field on the computer screen.
   
7. Hit okay. I can now access my account.
   

I'm not sure if Swiss bank accounts have any security devices US banks don't have. I think they just bore potential hackers with multiple layers and win the war of attrition.