You'll also get a free copy of your credit report -- check it and stay involved with the credit bureaus until they appropriate any fraudulent fees or accounts you discover there. Credit card companies restrict your liability on fraudulent purchases, and you'll dispute false charges. A savings account that has no checks issued and is not linked to any debit card will likely be a lot tougher for a thief to gain access to. If you keep a big amount of money in your predominant checking account, then all that money is weak if someone steals your debit card or writes checks in your name. When you send mail, use secure, 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 safe, nicely-lit areas, and don't use the machine if somebody is standing too shut or looking over your shoulder.

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