Review your banking, credit card, or payment service statements regularly to ensure there are no unauthorized charges or withdrawals. Be sure to shred bank and credit card statements before throwing them in the trash; talk to your bank about using passwords and photo identification on credit cards and bank accounts.

Online banking is a very convenient service for millions of account holders. At the same time, it needs to be handled with care.

Those looking to use mobile payment solutions should be mindful of security concerns.