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Step 1
If you are online banking you need to change your password every 30 to 60 days. It's also best to do your online banking at home on a hard-wired network as opposed to a wireless network. Hackers will go through neighborhoods and basically snatch data out of the air as residents log into bank accounts via a wireless network. The thieves usually sell the data (passwords and logins) to the highest bidder, often the information is sold to criminals in Eastern Europe.
Another way hackers can access your info is by sending out virus-laden emails that, once opened, the Trojan horse records your user name and password. This is why it's important to change your password rather frequently and do not do large banking transactions from a wireless network, and certainly not from a public hot spot. -
Step 2
Do not talk about your online banking habits. This is information that should be confidential in every sense of the word. Unless you're a multi-millionaire, it's best to use 3-4 financial institutions if you are generating income from home. This is wise because the hackers strategy is not to hit a million accounts for $10 each, but to hit a few accounts for at least $10k and up per account. Therefore, if you do lots of business on the Internet, spread your money around and keep a close watch on your accounts.
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Step 3
Ask your bank if they offer digital tokens. These devices enable customers to enter a unique code that changes every few seconds.
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Step 4
You can also use your cell phone to confirm banking transactions, and not use your computer. Most of the hackers that hack into large accounts are using wire transfer and transferring your hard earned dollars to offshore accounts.
