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Internet Banking Security

Your transactions are safe. MCNB Banks works with cutting-edge technology partners to ensure that the most secure environment is made possible for our valued customers. We offer you worry-free Internet banking. You can be completely confident of the following security measures:

 

Secure Communications

Our system ensures that data-exchanged between your PC and our computers are encrypted with 128-bit encryption – the strongest encryption available. Encryption is accomplished through Secure Sockets Layers (SSL), which utilizes mathematical formulas to ‘encrypt’ or hide information from prying eyes on the Internet. Additionally, if SSL detects that data was added or deleted after you sent it to the bank, the connection will be severed in order to guard against any tampering. The most popular browsers have the SSL security feature included. How can you tell if your browser is secure? Click here

 

Secure Environment

Our computer system does not connect directly to the Internet. It is isolated from the network via a ‘firewall.’ A firewall is a combination of software and hardware products that designate parameters, and control and limit the access that outside computers have to the banks’ internal networks and databases. You can feel secure knowing that our firewall protects your personal information from unauthorized access.

 

Secure Login

User IDs and passwords are isolated from the Internet by being stored on the MCNB Banks computer. This way, the passwords and IDs can never be accessed or downloaded by anyone on the Internet. Additionally, user passwords can vary from eight to sixteen characters, which means the chance of randomly guessing a password is less than one in one billion! The system also checks for invalid logins and automatically disallows a user after three invalid attempts. This prohibits the ‘hacker’ from gaining access to our system, thus protecting your accounts.

 

Your Password

You will be responsible for maintaining one of the most important security measures: your password. When you receive your iBank password, be sure to keep it a secret. Memorize it, or write it down and keep it in a safe place. It is not recommended you carry your password in your purse or wallet. Make sure no one watches you enter your password and always close your browser when leaving the computer. Make sure you regularly scan your computer for viruses that could be used to capture password keystrokes. You ultimately hold the key to your password security.

 

Multifactor Authentication

An additional layer of security and fraud protection has been added to help prevent identity theft. Now when you login to iBank the first time you will be required to establish a security image/passphrase and answer three security questions.   Your security image/passphrase will help to confirm that the website you are visiting is authentic. The security image/passphrase combined with your password provides two layers of security (multifactor). If you login from an unregistered computer, you must also answer one of the security questions. This provides an additional level of protection.