Monterey County Bank

Welcome to Monterey County Bank





At Monterey County Bank, the security of customer information is a priority.  We are strongly committed to the safety and confidentiality of your records.  Automated Teller Machines (ATMs) are a quick way to access cash and other bank services without having to step foot in your financial institution.  However, don’t let the convenience come at an inconvenient price.  Consumers should use extra precaution when using ATMs to ensure personal safety as well as the safety of their account information.

As part of Monterey County Bank’s on-going efforts to protect and secure your personal information, please take a moment to review this month’s Security Focus Flyer regarding ATM safety and security.

May 2015 Security Focus: ATM Security [PDF]


Protecting your account and your personal information is a top priority for Monterey County Bank. In light of several recent security breaches involving various merchant retailers and vendors, our staff continues to work diligently to protect our clients and ensure your information is secure.

Monterey County Bank has an established relationship with Visa and MasterCard to receive ongoing alerts for any of our clients should card information be reported as compromised during a security breach. Bank staff members will make every effort to contact our cardholders who may have been compromised.  For your security and as a pre-caution, we may order you a new card and cancel the existing card. If you have been contacted by a bank representative and continue to notice suspicious activity on your account, please contact your local branch as soon as possible for further action.

If you have not been contacted by your bank or card company, it is still strongly recommended that you take any and all steps to protect yourself.

Customers who have provided personal information or used a credit and/or debit card at any location where a data security breach has been identified should take the following steps to protect their accounts:

  1. Check and monitor your bank and credit card statements for evidence of unauthorized transactions.
  2. Contact your Bank or Credit Card Company if you identify suspicious activity.
  3. Review and monitor your consumer credit report regularly.
  4. Know that cardholders are not held responsible for fraudulent charges made by unauthorized parties if reported promptly to the card issuer.

You may also check back on our website for updates and helpful tips on steps to take to help protect your information. Information will be posted on the homepage or the FAQs and Helpful Tips page.

Monterey County Bank takes your account security and privacy very seriously and we will keep you informed on any issues that may arise regarding your accounts. If you have any questions or concerns, please call us at (831) 649-4600 during regular business hours.


By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC).

Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

FDIC Deposit Insurance Coverage Flyer [PDF]

For more information about FDIC insurance coverage, visit:

Use the FDIC's Electronic Deposit Insurance Estimator to calculate insurance coverage.


Please take a moment to review the latest in Consumer Alerts:

04/11/14 The Heart Bleed Bug
01/10/14 Target Alerts Consumers of Unauthorized Access [UPDATE]
12/19/13 Target Alerts Consumers of Unauthorized Access
06/07/13 Nob Hill Alerts Customers About Cyber Attack
01/30/13 E-mail Claiming to be from the FDIC: ACH and Wire Transfers

For your reference, additional FDIC Special Alerts may be accessed from: FDIC: Consumer Alerts

To learn how to automatically receive FDIC Special Alerts through email, please visit: FDIC Subscriptions


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