There is nothing worse than having your personal accounts hacked. I personally had this happen to me. Fortunately my credit card company notified me to let me know, and my card was immediately cancelled. I did not have to pay any charges, but I did have to change 15 accounts that used that credit card! That took me the better part of a day. Nothing is absolutely secure, but there are ways to make your accounts stronger to try to prevent someone stealing your accounts.
1.) Be cautious of phone pranks that convince you that they are your bank or other major institution and ask for your personal information.
2.) Be cautious of websites that have offers that are too good to be true and take you to another site for purchase.
3.) Update your computers security software annually.
4.) Use a strong and unique password and change you passwords frequently. Avoid using the same password for all of your accounts.
5.) Use encryption option when it is available to you for emails and online banking.
6.) Backup your devices so that if you get bad virus, they can be fully wiped and rebuilt from scratch.
7.) Purchase a special card or wallet that blocks the signal for someone to steal your credit card information for just being in proximity to you.
A great way to get more information about cyber security is SANS Securing The Human at http://www.sans.org/info/167527.
Be informed and safe with you cyber security!