In the eyes of the ignorant public every piece of malware (except perhaps cookies, and some relatively innocent adware) is a 'virus'. I practice online banking. Banks tend to say: you need an up to date antivirus to prevent unauthorized access to your bank account. (My words). But really, is that malware (except keyloggers and rootkits, which are spyware) a 'virus', in other words, do you really need antivirus software for this purpose ? Or will good antispyware (with real-time protection) do the trick ? Protect you against malware specifically designed to clean out your bank account ? (I have two antispyware programs with real-time protection). And a question that was stated somewhere here but never answered: do you really need an antivirus to catch trojans (again, two good antispyware programs here) ?