I was informed that my local bank had a data breach. I think account numbers were not divulged...the account is not at zero...but all the personal data you might expect was leaked. As a "My bad," the bank is offering one year of free credit monitoring. I'm not even sure what that is and am not interested in it. But, it sounds like the damage has already been done, you can' t unring a bell. It's like if somebody burnt down your house then offered a year of fire insurance going forward from this day on.