Clark wants to reiterate his warning about the dangers of criminals targeting the accounts of small and medium-sized businesses.

These types of businesses aren't large enough to have an IT department, but their high level of cash flow makes them appealing to cyber-thieves -- many of them based in Eastern Europe.

Small businesses need to take special care because of how they're treated under the Uniform Commercial Code.

The UCC dictates that small businesses may be held partly or totally responsible if their lines of credit or accounts are compromised.

Isn't it odd that the very businesses that are the backbone of our economy are left unprotected?

The consumer champ has two key takeaways to help small business owners and entrepreneurs protect their accounts:

• Go to your bank and have them put a block on wire transfers from your business account(s). Citibank has already set up a procedure where its customers can block wires to foreign banks, according to Forbes. But Bank of America will not permit a business to block this. So you may want to consider moving your business accounts away from Bank of America.

• Have a dedicated computer that you use solely for the purpose of accessing your financial accounts. No surfing the web on your dedicated computer. No e-mailing. No visiting Facebook, MySpace or Twitter. This is the cheapest insurance Clark can suggest.

Forbes also has some additional recommendations to help avoid online scams that can lead to your account being compromised:

• Look for the logo of your bank being in odd place on the webpage. This is a tell-tale sign.

• Do not open links from an e-mail.

• Use a Mac for accessing your business accounts.