Lock down your password
This may sound obvious, but a lot of consumers still don't get it. "We're seeing people use '123456' and 'password' commonly," says Andy Steingruebl, director of customer and ecosystem security for PayPal.
In order for your passwords to remain secure, Steingruebl says to make sure you don't use the same one on multiple accounts and change them regularly.
And don't store them in Web browsers, says Trend Micro's Budd. "Malware that gets into your system can do everything on your system that you can," he says. "If passwords are in your browser with the password saved, the malware can use your browser with the password saved."