[saganite]

I don't bank online so I'm not worried about that but I was wondering if programs such as AVG (which I use) will find these programs.

[goldstategop]

Most anti-spyware and anti-trojan horse scanners will find them. That's why having an anti-virus program is not enough. I run Zone Alarm Anti-Virus and I also run Microsoft Anti-Spyware and Ewido Anti-Malware, which is an anti-trojan scanner.

(Denny Crane: "I Don't Want To Socialize With A Pinko Liberal Democrat Commie. Say What You Like About Republicans. We Stick To Our Convictions. Even When We Know We're Dead Wrong.")

[Turbopilot]

AVG is for antivirus. Go to Zonelabs.com for a good firewall, which will do a lot more to prevent new threats (as opposed to trying to remove existing threats). It's also a good idea to run a hardware firewall - my wireless router does the job for me, but getting a cheap router even if you don't have a laptop or multiple computers isn't a bad idea, as an extra layer of protection.

My comprehensive list of fully-automatic and free (for home use) protection is:
AVG Antivirus from Grisoft
ZoneAlarm firewall
Spybot Search-and-Destroy (including TeaTimer)
SpywareBlaster(even if you don't bother to manually update it)
Microsoft Anti-Spyware (yeah, really)

I use several other products, including Ad-Aware, but you can install and set up the above and, assuming you haven't already been hit with malware, be safe by setting them to operate completely automatically. I personally don't see the problem with actually clicking on a security program once in a while, but because certain fans of non-Windows operating systems believe that they can be secure without doing anything, I enjoy showing Windows users how they can do the same.