Nothing is absolutely secure. It's all about managing risks.

Itago mo man sa bahay, pwede ka pasukan.
Sa bangko, pwedeng ma-hack, heist, o ma hold-up ka pag labas mo.

Kung nag-sara bangko, PDIC will still cover your losses but only up to 500k. If you have more than that, deposit them in multiple banks.

Online banking nowadays weighs more in convenience than the risks involved. Just manage it.

Cliché pero totally relevant: Don't put all of your eggs in one basket.