I suggest having a registered e mail on your account. If, for some reason, your account will ever be hacked, there's no way for the person to change the password (without having access to your e mail) and I'd you have a bank pin, there's not much they can do.
Jagex offers fairly good security to your account now, so it's almost impossible for someone to get hacked and lose their bank if they're taking full advantage of the security Jagex offers on their accounts.
It's a good idea to be safe and check the scripts, but it's also. A better idea to make sure your account is secure, just in case you (or someone else) makes a mistake and claims a malicious script is safe.