This goes along with changing your PIN numbers – make sure there is no way anyone could know the answers to your secret questions except for you. Took me a long time to figure out I didn’t have to use TRUTHFUL answers. The online bank doesn’t know my first pet wasn’t named “StayOutOfMyAccount” – and because he didn’t know my (fake) answer there was no way my husband could go online, change my PIN, and get my dough.