According to the Better Business Bureau's "2005 Identity Fraud Survey Report" the most common source of identity theft is a lost wallet or check book. Only 11.6% of identity fraud came from access to online records.
Here's an interesting observation: customers who regularly monitor their bank accounts online detected fraud far earlier than those who review paper statements, and their average loss was $551 versus $4,543 for paper statement. It didn't say how "regularly" you should check but I recommend 1/week.
Paper continues to plague us. Get a home shredder, and shred everything with an account number on it before you throw it out. I also shred every credit card solicitation, since they contain way too much PII. Shred all of your credit card receipts when you throw them out. If you lose your checkbook, get your account number changed and alert your bank to watch for activity. Yeah, you'll have to let your mortgage company know but that's better than having to fix your credit rating for the next 3 years.
Online -- the usual still applies. Buy from people you trust. Don't save your credit card info on anyone's site. Don't save your account numbers or credit card info anywhere on your PC, even encrypted. It's only 16 numbers, they're not that hard to type!
Best of the text i read about a problem.
We are wellocme to it's configuration.
Wellcome to the real world.