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You'll also get a free copy of your credit score report -- verify it and keep in contact with the credit bureaus till they correct any fraudulent fees or accounts you find there. Credit card corporations restrict your legal responsibility on fraudulent purchases, and you can dispute false charges. A financial savings account that has no checks issued and is not linked to any debit card shall be a lot harder for a thief to achieve entry to. If you keep a large amount of cash in your important checking account, then all that money is weak if someone steals your debit card or writes checks in your name. Once you send mail, use secure, opaque envelopes so nobody can learn account numbers or spot checks just by holding them as much as the light. Only use ATMs in safe, properly-lit locations, and do not use the machine if someone is standing too close or wanting over your shoulder.