It should have been routine. An Omaha woman pulled out her check card at a store. Then came the surprise - her card was denied even though she knew there was plenty of money in the account. Could the same thing happen to you?

Victim Robyn Runyan says, "oh my God, I can't believe this happened because you never think this is going to happen to you and it did."

Runyan had her check card stolen, even though the card never left her possession.

"I had gone to the store and I was getting ready to check out and I swiped my card and it got denied. We did it again and it got denied again. So at that point I came home because I knew there was money in the account," describes Runyan.

Once home, Runyan checked her account. "When I got online I saw all the charges that were in my account. It pretty much drained it out, I had like $100 left in there. Right here- $150, $300, $300, then $321.36." Seven charges totaling around $1,400.

Her bank noticed the charges too and limited Runyan's bank account.

"The only thing I can think of is possibly off the internet because I've been paying my bills off the internet and that's the only thing that I've done," says Runyan.

Lisa Cameron with Credit Advisors says we need to be cautious when online. Before you enter a card number, check the web page.

"Up at the top in the URL, the address that you've gone into, to check that it's a secure site, you want to look for that "s" - the https," says Cameron.

Also, don't enter an online store through an e-mail link. Go to the store's website, then enter any sale codes the e-mail might have contained.

For Robyn Runyan, she knows one way to stay safe. "At this point I think I'm going to go back to writing my checks and sending them through the mail again."

Runyan's bank is still investigating the charges, and she's not yet sure if she'll be liable for any of the charges. Credit Advisors says it is usually safer to use a credit card online, because with most of them, we're only liable for the first $50 of fraudulent charges.