Not a USB flash drive, but a USB flash drive. This is the preferred certificate when you log in with a certificate. You plug in the USB flash drive and he can log in to the online banking. If you choose to log in without a certificate, you must log in to the online banking with your account number and password. As for the dynamic password for logging into online banking, he doesn't have to worry about it, but if you buy things online, the dynamic password is a set of verification codes sent to the mobile phone number bound to your online banking account. You must enter the verification code to pay. There is also an online banking partner to ensure the safety of your online transactions. Just download and install a software.