Hi Rajgreenpeace
Here a heavy post on the subject: Online Banking. Very in dept stuff for most. Was not sure if I should post it, but there may are some readers around which are interested in it, as we talk here about security for online banking. Not only for IT pros, as what is shown is possible to do for less experienced computer users. The following links do not spot on the subject: Encryption s for E-Mails and telephone calls with your bank house. You have to check that in your country separately.
To give an idea what a heavy Bank Trojan is:
http://www.h-online.com/security/news/item/Banking-malware-Carberp-was-50-000-now-free-1897007.html
What to do if your computer really is infected in dept with a Trojan:
http://technet.microsoft.com/en-us/library/cc512587.aspx
What is MBR
https://en.wikipedia.org/wiki/Master_boot_record
http://mywindows8.org/fix-mbr-in-windows-8/
If you want to move away from Windows, you should go in that direction, which is Linux based:
http://knoppix.net/
Instead using the MBR, you change to GPT, which under Linux operating systems is no problem:
https://en.wikipedia.org/wiki/GUID_Partition_Table
Final word: Linux is not the holy grail, but it is less infected compare to Windows, as it is less used.
Linux is not for users of certain programs, f.e. Adobe Foto shop. So you may use and instal it on a second system you only have for your online banking.
Take care / DanPickUp