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You'll also get a free copy of your credit score report -- verify it and stay in contact with the credit score bureaus until they appropriate any fraudulent prices or accounts you discover there. Credit card companies limit your legal responsibility on fraudulent purchases, and you'll dispute false expenses. A savings account that has no checks issued and isn't linked to any debit card will be a lot harder for a thief to gain access to. If you retain a big amount of money in your fundamental checking account, then all that cash is vulnerable if somebody steals your debit card or writes checks in your identify. While you send mail, use safe, opaque envelopes so no one can learn account numbers or spot checks simply by holding them as much as the light. Only use ATMs in secure, properly-lit areas, and don't use the machine if someone is standing too shut or wanting over your shoulder.