we don't have any of our financial information on our computer (i worked as an auditor for too many years , i guess
).
we do use the ABM for most cash withdrawals since our banking agreement protects us against banking errors .
we have one "cash account" that only holds enough money for ABM cash withdrawals , automatic withdrawals (telephone , utilities and similar) ... and a few cheques .
our "real money" is with another bank in an interest-bearing account that only allows ABM transfers to our chequing account with the same bank ;
it does not permit cash withdrawals or cheques to be written against it .
it's a bit cumbersome - but certainly quite secure .
btw almost all our purchses (let's say above $10-20) are made by credit-card . it enables us to control our cashflow and pays us with "airmiles" for our shopping ; not a bad deal , we think .
hbg