You'll also get a free copy of your credit report -- verify it and stay involved with the credit bureaus till they appropriate any fraudulent charges or accounts you find there. Bank card corporations 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 likely be much tougher for a thief to achieve access to. If you retain a large sum of money in your essential checking account, then all that money is susceptible if someone steals your debit card or writes checks in your name. Once you send mail, use safe, opaque envelopes so no one can learn account numbers or spot checks just by holding them up to the light. Only use ATMs in secure, properly-lit places, and don't use the machine if somebody is standing too shut or wanting over your shoulder.
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