I suppose you can call it an overlay.
It depends on how you set it up for each individual site yisit independently. that is why I like it so much.
I set it for banks as "no autofill", and it carries to all of my devices with the same settings for "that website".
for the bank sites, if I can't remember the longish passwords, I just open LastPass and look it up, then let it fill in the blanks just that one time...
gives me a bit more security even on my own computers....
the average person setting down to my PC is not going to be able to get into my accounts without a lot of effort to figure out where I hid the passwords.
in addition to all of that, I have my Alerts set on all of my accounts to send SMS and email messages for each and every transaction. Debit, AutoPay, CashWithDrawal.... etc...
or deposits from my pension checks.