Her argument is that it must have happened when she used her debit card somewhere and that could be true.  It also could be true that she has this virus on her computer because she does her banking from home.  I don’t know but I installed a program my bank gave me on my computer years ago and had a look at it.  I felt uneasy because I was aware of keyloggers and I scrubbed it. 

In no way would I ever do my banking over my home computer and here’s my golden rule — never type anything into a computer or visit a site if you are not prepared to share the information with other people.

There is no such thing as a secure computer if it is connected to the net.

You can take it to the bank (no pun intended).