I do most of my shopping online and always use Paypal. That way, no company, or it's employees, has my banking info.
I haven't paid a visit to my bank for over 2 years. My income is direct deposited and I use my bank's app on my phone to take two photos of any checks I receive and deposit them via photo.
The safety factor is pretty good. Generally I've found online banking is at its best (not perfect) when making simple transactions and monitoring your account. Use only reputable banks (that is to say, NOT Wells Fargo). I can even track account activity on my phone.
Internet shopping is a minefield as far as I'm concerned. We maintain specific shopping accounts for internet, separate from other spending or operational accounts. Never mix them. American Express has a secure system, I use Amex for larger purchases.
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