A quick question: I use on-screen keyboard when entering my bank passwords, credit card numbers, etc., in an effort to guard against malware. Is this a good idea or am I wasting my time? Some internet banking website have an on-screen keyboard for entering in a password are these any more secure?
The built-in on-screen keyboard that comes with many operating systems is designed to help people who are unable to use a physical keyboard because of disabilities. Due to this, an on-screen keyboard behaves as much like a real keyboard as possible and it's activity will most likely be logged by a keylogger.
On-screen keyboards specifically designed for security (on a bank's website, for example) are a different story and are likely more secure against keyloggers.
On-screen keyboards prevent a keyboard dongle from recording your keystrokes. There are other methods for recording keystrokes an on-screen keyboard will not prevent, though.
Using an on-screen keyboard would make your password readable by people with no connection to your computer. :D