When banking, use your institution's official app and sign up for any extra security that your bank offers. Bank of America's SafePass program, for example, sends a text message with a 6-digit code to authorize a transaction. The code expires as soon as you use it.
Even if you're on public Wi-Fi, most sensitive sites use SSL encryption to scramble the information that passes between your gadget and the Web server. You'll see HTTPS and a padlock icon in your browser's address bar instead of HTTP.
You have to stay vigilant, though. Encryption kicks in at different stages on different sites. If a log-in page isn't encrypted, a hacker could intercept your information with little trouble.
Make sure your email program, Facebook and Twitter accounts are also configured to take advantage of secure HTTPS browsing. The browser add-on HTTPS Everywhere does it for you automatically.