You'll also get a free copy of your credit score report -- examine it and keep in contact with the credit bureaus till they correct any fraudulent charges or accounts you find there. Bank card companies restrict your legal responsibility on fraudulent purchases, and you can dispute false charges. A savings account that has no checks issued and isn't linked to any debit card will probably be a lot more durable for a thief to gain access to. If you keep a large sum of money in your main checking account, then all that cash is susceptible if someone steals your debit card or writes checks in your name. While you send mail, use secure, opaque envelopes so nobody can learn account numbers or spot checks simply by holding them as much as the sunshine. Only use ATMs in secure, properly-lit places, and don't use the machine if somebody is standing too close or wanting over your shoulder.
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