Trying to find out what the series was where there was a child that created 'Guard dog programs" and another something called the 'dragon?' I remember a bank being involved in the first part of the book but thats about all, please help :)
Per KHW's comment above, I think the book you're referring to is Ender's Game by Orson Scott Card.
There's an explicit reference to "Genius Children";
Ender creates a Security system which he gives out to his friends;
Ender commands the Dragon army;
The bank reference is a bit harder to clear up. There is a mention of Ender having "plenty of salary that [he] never used, sitting around in banks" but that's right at the end of the book. More likely you're thinking of Ender's sister and brother needing their father's citizen card in order to falsify their identities on the internet.