How Many Feel That Online Banking Is Safe?

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I feel less stress about doing most of my banking online. I can pay my bills in the middle of the night. I can copy my bank statements for free. I can see my checks that have cleared. I can see items that have been charged to my account. I can catch unauthorized charges a lot easier. However, this identity theft thing causes me some concern. I am also very quick to shop online and give out my bank information. Although, now I am a lot more careful. I will go to the BBB online if I am dealing with a new or unusual looking site. They have done a good job recently of updating their security systems and codes. I feel pretty confidant about using the convinent service, but there are times when I wonder. Last month, I got a charge on my account causing me to be over-drawn. I panicked, because I knew I had adding everything just perfectly. I was able to find the number of the offending company with just one click at my account. When I called, the number was disconnected. I immediately called my bank and let then know that I wanted to dispute the charge. Everything was settled with no problem, but it left me with a very eerie feeling inside. The over-draft fee had posted and I wasn't sure whether or not they would actually remove it, but they did. Has anyone had any real problems with online banking?