Abstract: Methods and systems are provided for secure online data access. In one embodiment, three levels of security are provided where user master passwords are not required at a server. A user device may register with a storage service and receive a user device key that is stored on the device and at the service. The user device key may be used to authenticate the user device with the storage service. As data in the storage service is encrypted with a master password, the data may be protected from disclosure. As a user master key or derivative thereof is not used in authentication, the data may be protected from a disclosure or breach of the authentication credentials. Encryption and decryption may thus be performed on the user device with a user master key that may not be disclosed externally from the user device.