Well, the wife calls me at work this morning hyperventilating sayng that our checking account has been emptied. Several thousand dollars of purchases were made yesterday to some travel agency in England. All of it from my Visa sharecheck card (which draws right from my checking account) which I use almost exclusively when I buy stuff. Luckily, we caught the transactions early, cancelled the card and reported the fradulent charges to the bank. The bank refunded the money within about an hour. Crisis averted.
Moral of the story, don't use a card that is tied to your checking or savings account to buy stuff. If you need to make purchases (especially on-line purchases) use a credit card (or cash or checks). Credit cards and checking cards have totally different means of protection. I went and applied for a basic American Express card this afternoon. Hackers can attack that thing all day and I'm not responsible for fraudulent charges and the bad guys don't have access to my bank accounts.
Moral #2: check your accounts frequently.