You'll additionally get a free copy of your credit score report -- verify it and keep in contact with the credit bureaus till they right any fraudulent charges or accounts you discover there. Credit card firms restrict your legal responsibility on fraudulent purchases, and you'll dispute false charges. A financial savings account that has no checks issued and is not linked to any debit card will probably be a lot more durable for a thief to realize entry to. If you retain a large amount of money in your most important checking account, then all that cash is susceptible if someone steals your debit card or writes checks in your name. While you ship mail, use safe, opaque envelopes so no one can learn account numbers or spot checks simply by holding them up to the light. Only use ATMs in secure, properly-lit places, and do not use the machine if someone is standing too close or wanting over your shoulder.