Online and Mobile Security
Monroe Bank & Trust is committed to keeping your financial transactions as secure as possible. As Internet usage has grown, so has Internet-related crime, especially fraud. MBT takes aggressive steps to protect your information online, using sophisticated detection and prevention systems. The security of your online banking transaction depends upon a partnership between you and MBT.
You are responsible for keeping your banking information confidential. This means you are not to share your password, account numbers, personal identification information and other account data with anyone, including any other companies or services providers.
Our security measures must rely on these access codes remaining confidential. We strongly recommend that you do not share these access codes and passwords with others. Certain third party providers such as financial aggregator sites may offer to provide services to you by accessing your accounts using your access codes and passwords. While it is your decision whether or not to use these services, please be advised that we cannot be responsible for the security and accuracy of the information displayed to you anywhere but at our web site.
We employ a number of measures to provide these services in a secure manner. These measures allow us to properly authenticate your identity when you access our services and protect your information as it traverses the Internet between you and MBT. Learn more about the sophisicated steps we take to protect your information here.
- Use a personal firewall. To guard against unauthorized access, make sure you have a personal firewall installed on your computer and that it is turned on at all times.
- Install and run anti-virus and anti-spyware software on your computer and keep them up-to-date. If your security system identifies malware, immediately change your passwords.
- Update your browser and operating system. It is important that you regularly update your browser in order to ensure that you are protected from the latest security vulnerabilities. Turn on automatic updates for both. Doing so provides security updates and patches.
- Be cautious of downloading software from the Internet. Only install applications and software from well-known companies you trust. Many times, software downloaded from the Internet, such as free games, carries and installs malware.
- Do not send any sensitive or personal information over e-mail.
- Log off or lock your workstation whenever you leave your computer.
- Clear Your Internet Browser's Cache and History. Internet browsing software stores or "caches" content of web sites visited during online sessions to display pages previously viewed more quickly. The Internet browser's history list tracks web site addresses you visit.
- Use a trusted computer. When conducting Online Banking and financial transactions, it is best to use a trusted computer, preferably your own.
- When checking your online accounts, type the entire address directly into the browser instead of using a saved “favorite” link.
- Create strong passwords that contain both numerals and letters. Do not use the same password for multiple accounts. Change your wireless passwords regularly.
- Protect your login information. Do not store it on or even beside your computer. Never share your password with anyone or write it down where someone might find it. Change your password often and do not use common words that can be found in the dictionary, your first or last name, or numbers in a series. In addition, you should never save your passwords when prompted by your browser. This is especially important if you are accessing your account from a public computer (e.g., library or school).
- Always sign out and close your browser after using a secure website.
- Ignore and delete spam. Phishing emails can be very subtle, and may contain links or downloads infected by malware.
- Use a pop-up blocker. Don’t click on any links within pop-ups, as this may install malware on your computer.
- Avoid unsecured wireless networks. Networks in cafes, hotels, airports, libraries and other public places are usually not secure and are easy to tamper with.
- Strengthen your home wireless network. Create a unique Service Set Identifier (SSID) – essentially the “address” that identifies your wireless connection. Hackers know the most commonly used SSIDs, so changing it from the default version will help thwart their efforts. Disable the Broadcast option from your SSID features options. SSID Broadcast helps cyber-crooks find your wireless connection and gain unauthorized access to the network. Enable the encryption feature so that only your intended recipients can access the information you send. Disable File and Print Share features to limit information criminals' ability to steal data or commandeer resources should they bypass encryption. Secure your wireless access point to reduce the opportunity for others to access your network. If possible, use directional antennas to direct broadcasting inward. Radio signals are visible to others trying to use your network. Mac computer users can enable filtering to prevent or permit specific PCs to access your wireless network.
- Read your user licensing agreements. It’s possible for you to inadvertently agree to accept spyware with a program you're downloading. Complete the download only if you recognize the additional programs included and you know they are safe.
- Main DescriptionMain DescriptionSocial Security numbers, financial records, tax returns and bank account numbers might be stored in your computer
- Laptops and Tablets are a target for theft. Consider the physical security of your laptop, as well as the information you store on it. Document the manufacturer’s model and serial number. Watch out for people looking over your shoulder if you use the laptop in a public place and work with or enter sensitive information.
Social media, also known as social networking, enables people to stay connected with friends, family and even businesses via the Internet. Be careful of what you share. Because social media sites are a place where people tend to share a lot of personal information, there is a danger of social engineering, which is when identity thieves gather personal information from social media sites. They attempt to piece together enough information they have gathered to log in to your online accounts and potentially defraud you out of money, commit identity theft, etc.
- Do not choose usernames and passwords that are the same or similar to ones you use to access your online banking.
- Never include information that can help thieves steal your identity, such as your address, phone number or even employment information.
- Avoid completing social media surveys. They are sometimes designed to gather information for thieves. For example, giving the name of your high school mascot could also provide security question answers for other online accounts.
- Don't provide too much information about your family. In a common scam, a caller pretends to be a grandchild in an emergency situation and asks to have money wired. The caller uses personal information from social media sites to sound believable.
- Always use privacy settings to limit access to your information, but realize that information posted on social media sites is permanent and may still be accessible.
- Never announce on social media sites when you will be out of town.
Mobile Banking is a useful tool that can simplify your life and make managing your money incredibly convenient. By using common sense, it can also be a safe and secure part of your daily life.
- Treat your mobile device with the same level of care as you would with your wallet, cash or credit cards. If it is lost or stolen and you have not protected it adequately, you may be at risk.
- Password-protect your mobile device. Set your phone or tablet to automatically lock when not in use, and use a unique password to unlock it.
- Install antivirus software on your mobile device. Contact your carrier for specific information on available antivirus software for your device.
- Avoid sharing your mobile device with others, especially strangers.
- Follow the same rules you use on your computer with respect to opening e-mail and attachments.
- Immediately tell us and your mobile carrier if you lose your phone. The sooner you report the loss, the better protected you are from fraudulent transactions.
- Think before you app. Be careful when downloading Apps. Criminals may develop and publish fake mobile banking applications that look like official apps but are in truth designed to steal your Online Banking credentials. Avoid "free offers" and "free ringtones." An email or instant message that offers free software downloads, such as ringtones, may contain viruses or malware. Always use official app stores to download any app and keep it up to date.
- Only use Wi-Fi on your device when connected to password protected hotspots. Turn-off any auto-connect features. They might cause your phone to log into insecure wireless networks without your knowledge.
- Install operating system updates for your device as they become available - they often include security updates.
- Before you upgrade or recycle your device, delete all personal/business details.
- When you submit information through an online form, we’ll encrypt it to help keep your information secure. In other words, we scramble your details en route and decode it when we receive it. Please make sure your web session is secure by looking for a small lock symbol in the lower corner of your web browser window. Current versions of leading web browsers use this symbol to indicate when a web page is encrypted. You may also look for the letters "https://" at the beginning of your website URL in your web browser. The "s" means that the web connection is secure.Ensure no one is looking over your shoulder in congested public areas and reading information from your device’s screen
- Close the app when you are finished or log out of the website.
- Do not share sensitive information via text. Text messages are not secure and may be intercepted. MBT will never send your name or account number via text message.
- Disable Bluetooth when not in use. Disconnecting Bluetooth, a non-secure connection, helps prevent attackers from obtaining information or sending malicious code into your device.
- Record phone and tablet data. Police need to know a device's make, model, and serial number to investigate theft.
- SMShing is phishing that happens via SMS text message. A criminal sends you a text message that tries to trick you into replying with financial or personal information or clicking on links that will sneak viruses onto your mobile device. Don’t respond to a text message that requests personal or financial information.