Privacy, Security & CRA

Privacy and Our Pledge to You.

Privacy Notice  CRA Notice  

CRA Public File

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.

Security

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.”

• The safest passwords are those that combine numbers and letters
• Do not use obvious passwords, such as your birth date or name
• Never share you password with anyone
• Change your password frequently

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.

Encryption

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.

Monitoring Systems

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.

Technical Requirements

You will need the following to access and retain your electronic documents, including your eStatements and eNotices:

• Online Banking – You are required to sign up for Online Banking prior to signing up for eDocuments.
• Access to a hardware device (i.e., personal computer with Windows Vista or higher, personal digital assistant, or internet-enabled mobile phone) with broadband Internet connection that has an Internet browser that supports 128-bit (or better) encryption.  &nbsp
• Internet access and an Internet email account and address
• Microsoft Internet Explorer® browser or Netscape  Navigator® browser versions 7.0 or higher (Go to the Microsoft or Netscape website to download the version of the browser that you need)
• Adobe Acrobat Reader DC (this product is available for free at http://www.adobe.com)
• Access to a printer or the ability to download information in order to keep copies of your eDocuments, including your eStatements, for your records
• You may need to adjust for local software or Internet Service Provider (ISP) issues such as SPAM filters, browser settings, firewall, or other security programs which may filter out emails or that might remove or block the delivery of your statement email notification.  The Bank reserves the right to change the hardware or software requirements for Online EDocument delivery