in this day and age you have got to be smarter..that's why i don't do online banking..i am not putting my info out there and i won;t do anything that req my ss no...i do use 1 and only one credit card for ordering online which i pay for fraud protection..i dont keep a balance and i check it by phone nearly everyday....please be alert..if it doesnt look good or feel right..don't do it...sorry for rambling on