Actually, kinda easy Johnsyn... every time you use an ATM, make sure it's the one at your bank and ALWAYS GET A RECEIPT! That way you can verify the total left in your acct. If something looks to be off compared to what you see on your computer, THEN you can go get/pay for a true bank copy of your transactions and put a halt to it.
And NEVER, NEVER, NEVER, NEVER, open an email that you cannot verify as safe. I keep a coupla diff. email accts. and only ONE of them is connected to my bank, and nothing else! It is also on a personal domain name, so it's hard for spam/spy bots to find it.
But of course, all this is only JMHO!
Hope you're having a good weekend, and a great (do no) Labor Day!
MB