Upload & Sell: Off
There are enough "enhanced" security features for online banking that it wouldn't be necessary for a bank to contact you by email. After 3 wrong password attempts your account is automatically closed until you CALL the bank directly and straighten it out. Banks will call you, at least mine did, if there is suspicious withdrawal activity on a debit card, probably the same for a credit card. As stated above, all personal banking information is verified by the bank if they call, never disclosed by you. Also, it is best not to have your savings connected to your checking for overdraft purposes. If possible, use three connected checking accounts with one local bank for instant transfer purposes if you are married, or two if you are single. Never use the main one, the one with all the money :-), to purchase stuff. In fact you should never activate the main debit/checking account by phone, therefore nobody has the numbers. Direct deposit checking is usually free, but probably not from the banks we bailed out.