Be smart about mobile banking and shopping
It's best to wait until you're at home to do any online banking or shopping. If you must make an emergency balance transfer or an immediate purchase to save a significant amount of money, it's safer to use a cellular connection instead of Wi-Fi. Just be careful to stay under your data limit. 

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.