It's an actual legit game, man. If you're that worried about your bank info, use PayPal. Not perfect, but a lot more secure then using just your debit card or something.
Oh, and I messed around in multiplayer some. It's pretty cool seeing what other people have done, but you gotta watch out for the trolls. Like a YouTube troll, they can and will do whatever they can to try and ruin something.