Hi Peter,
I would think that the theft of funds from your Bank account, was most likely to be due to a 'Phishing' attack on your PC, rather than a Virus or Spyware. Anti-Virus, Anti-Spam and Anti-Spyware programs, whilst they are valuable additions to improve PC security, will not guarantee detection or prevention of these 'Phishing' emails arriving in your In-Box.
There are an increasing number of these 'Scam' emails circulating, which are VERY convincing and look as if they are genuine requests from your Bank, asking for intimate details of your account. Do you remember ever having received on of these emails?

An important thing to remember is that Banks and Credit card companies, will NEVER ask you for these details via an email.

It is only vigilance on the user's part and suspicion of unsolicited emails, particulary those purporting to originate from your Bank, which will give you protection from any future Scams. You should NEVER click on any links in these emails, since they are most likely to direct you to the Scammer's website, despite the apparently genuine look of the link.

Malware does exist which is capable of embedding itself in your PC and 'Phoning Home' details of passwords, Bank account details etc. but this assumes that these details are held unencrypted, somewhere on your PC. Having such details 'openly' available on your PC is asking for trouble . If you must store these details on your hard disc, then you should only store them using a program, which encrypts them and only allows you to access them, via a single memorable password. There are several such programs available - for example - Password Manager ( www.passwordmanager.co.uk )

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Willum

After silence, that which comes nearest to expressing the inexpressible is Music.
Aldous Huxley