Two factor authentication is really important, especially with data breaches and hacks happening frequently to big companies.
Two factor authentication (for those who dont know) is a second step after your username and password to confirm that it is you who is logging in. For example, logging into Gmail, I am asked for my username and password then a code (which changes every 10 seconds or so) to login.
I think it would be a really good idea is Starling offered some kind of two factor auth. Maybe a text with a code when you login to a new device?