Privacy, Security & CRA
Privacy and Our Pledge to You.
USA PATRIOT ACT
Important Information About Opening A New Account
To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.
What this means for you:
When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
Online Banking Security
Online Banking is a secure, Internet-based service that gives you convenient, 24-hour account access. MCSB takes information security very seriously and is committed to protecting your personal information with us.
User ID and Password
You will be forced to change your User ID and Password the first time you log in to online banking. After that you control your password and can change it at any time. Passwords are a unique combination of characters created by you in order to gain access to Online Banking. To change your password, select “Options” and then “Change Password.”
Firewalls and Routers
We have a system of firewalls that form a barrier between the Internet and MCSB’s internal systems. All incoming information is routed through the firewall, which verifies the source and destination of each piece of information. The firewall processes the information in a special manner before delivering it to our internal computer system. This way, all internal information is protected, keeping the structure of our computer system a secret. Our firewall records all activity within MCSB’s Online Banking, including sign-ons, sign-offs and access violations. This allows for quick identification of any suspicious activity.
When you bank online with us, your information is encrypted. Encryption makes information unreadable to protect it from unauthorized viewing or use, especially during transmission. For your security and ours, MCSB employs a robust industry standard for all encryption.
We use various monitoring systems to detect suspicious and fraudulent activity. These systems are the “watchdogs” for unusual patterns of activity, such as repeated incorrect password usage. MCSB will automatically “lock out” the user and prevent the user from using Online Banking after three unsuccessful attempts to login.
Automatic Time Out
You should always select “Exit” after using Online Banking.
In addition, know that Online Banking has an automatic log-off window that will appear after 10 minutes of inactivity.
You will need the following to access and retain your electronic documents, including your eStatements and eNotices: