Of eight respected computer security experts consulted for this article, all agreed that hacking into a bank was doable, and most insisted it wouldn't be all that hard. "If I were going into e-crime, I'd hit a bank," says Jon David, a security guru who has worked in the field for 30 years. Why haven't banks been hacked, then? Oh, but they have--big time. In 1994, a 24-year-old programmer in St. Petersburg, Russia, named Vladimir Levin hacked Citibank for $10 million. He was later caught, extradited to the United States and is serving a three-year sentence. (All but $400,000 of the money was recovered.) This sort of thing happens often but is hushed up, according to Michael Higgins, a former analyst with the Defense Intelligence Agency and now a financial computer security consultant who heads Para-Protect in Alexandria, Virginia. The federal government requires banks to report losses, but Higgins says banks avoid potentially bad publicity by reportin...