You'll also get a free copy of your credit report -- check it and keep in touch with the credit score bureaus until they appropriate any fraudulent fees or accounts you discover there. Credit card firms restrict your liability on fraudulent purchases, and you'll dispute false fees. A savings account that has no checks issued and isn't linked to any debit card will probably be much tougher for a thief to achieve access to. If you retain a big sum of money in your primary checking account, then all that money is susceptible if somebody steals your debit card or writes checks in your name. If you ship mail, use secure, opaque envelopes so no one can learn account numbers or spot checks just by holding them as much as the sunshine. Only use ATMs in safe, properly-lit places, and do not use the machine if somebody is standing too close or looking over your shoulder.
