You'll additionally get a free copy of your credit report -- examine it and keep involved with the credit bureaus until they appropriate any fraudulent fees or accounts you find there. Credit card corporations restrict your liability on fraudulent purchases, and you may dispute false prices. A savings account that has no checks issued and isn't linked to any debit card might be a lot more durable for a thief to achieve access to. If you retain a large amount of money in your most important checking account, then all that money is weak if somebody steals your debit card or writes checks in your name. When you ship mail, use secure, opaque envelopes so no one can learn account numbers or spot checks just by holding them up to the sunshine. Only use ATMs in secure, well-lit locations, and do not use the machine if somebody is standing too close or wanting over your shoulder.