Our bank monitors things quite closely for us. And they contact us with anything suspicious. You can always request a new card and/or account number, just in case, and they will make it happen.
And our insurance company offers a service for $25/year. If anything does happen, they take care of all of the hassling phone calls of having to cancel accounts and get new cards, etc.
As for the monthly service, I heard that the CEO of one of those companies bragged about how good the company was at securing everything (100% full proof, blah, blah, blah), then his bragging caught up to him and hackers stole his identity just to prove a point.
Good luck!!