Yeah that's real practical when I do my online banking, thanks for that.
Well the bank could give you a little thumb drive with enough random numbers on it that it would work fine for you.
Your bank could send you a DVD or USB device with the OTP material on it. Eight gigabytes out to be enough key material to get you through all the banking you need done. Or smaller pads could be distributed to you by the bank over the internet protected by a symmetric cipher (which remains resistant to QC attacks).