It’s rare these days to find anyone who doesn’t do at least some of their banking online. Online banking is convenient, and many institutions offer free bill pay services and even smartphone apps that let you deposit checks into your account without actually having to visit the bank. And in some respects online banking can provide a certain measure of security, since you don’t have to worry about losing checks that you want to deposit or be concerned that your payments by check get lost in the mail. But online banking also comes with its own security risks. The key...

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