With online banking, most you can do is to be sure to routinely update Windows patches and use a good antivirus program, such as Norton; and install firewall software. Online shopping is a different matter: here you do not use your bank account or Social Security number. Neither Internet technology nor any other security mechanism is 100 percent effective. Do not link your credit card to your account (either checking or savings) Do not give perpetrators another opportunity to access bank accounts through credit card accounts. If a credit card number is stolen and fraudulently used, most credit card companies bear the burden.”]
Source: https://www.csoonline.com/article/2118521/secure-online-transactions.html