- Think twice about I.D. theft insurance: Some companies also offer identity theft insurance that will cover expenses if you have to straighten out your credit, but realize they will not do the dirty job of restoring your credit — that’s up to you.
 
- Watch that wireless: If you have wireless Internet on your laptop make sure that a password is required to access the Internet. This will help keep your information safe.
 
- Stick with a known ATM: Some of those independent ATMs you see in convenience stores, restaurants and bars may be collecting your data for illegal use. Use ATMs at established banks.
 
- Buy a shredder: Or at least be willing to cut up all envelopes, direct-mail credit applications and receipts that you would typically throw away.

Online Banks, those without brick and mortar facilities, are often able to offer consumers great interest rates on checking and savings accounts and low fees (sometimes free!). As big banks are ramping up their fees and charges many people are turning to online banks to save money and to earn a better interest rate.
 
Online Banks typically let you use any ATM that you can find and will usually reimburse you for the ATM charge. Additionally, these banks make fund transfers to a multitude of different accounts hassle free. Online bill pay is included with online banks.
 
For more information see: Online Bank Deals