IPhone 3GS vs Samsung Captivate?

I don't want the iphone 4 but I am looking at upgrading from the iphone 3G to either 3GS or the captivate.
What I need in a phone: ATT app so I can pay my bill and monitor my minutes, password protected notes and photo folders, fast Internet browsing, I do alot of my business on my phone. I have read the captivate is easily hacked how true is that?
 
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