Monterey County Bank

Welcome to Monterey County Bank




04/11/14: The Heartbleed Bug

Important Information 
HeartBleedAs you may have heard in the news the last couple of days, a new security vulnerability referred to as The Heartbleed Bug, has been discovered in a technology called OpenSSL, which is used by a number of website sites to create a secure connection between a browser and the site.  SSL stands for secure sockets layer and you see it in the URL of a website as https:// instead of the usual http://. OpenSSL is just one kind of SSL certificate, and since it’s free to use, up to 60 percent of all secure websites use OpenSSL.  Monterey County Bank does not, however, use OpenSSL to provide SSL certificates for our website.  We do recommend that our customers change their Internet banking password anyway, as a precaution.

When updating your passwords for various websites, ensure that the website was not initially impacted or that the security has been updated first, otherwise the new password may be at risk as well.  It is recommended to not re-use old passwords and create various passwords for different accounts.  If you have not done so already, please take a moment to review this month's Security Focus [PDF] pertaining to Password Security that was posted on 04/01/14.

For additional information pertaining to The Heartbleed Bug you may visit:


At Monterey County Bank, the security of customer information is a priority.  We are strongly committed to the safety and confidentiality of your records.  Online login credentials and security questions are the first line of defense in protecting your personal information.  Whether it be internet banking, e-mail, purchasing accounts, or social media sites, information contained within these sources can be used against you when found in the wrong hands.

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 best practices for strengthening login credential security and enhance consumer awareness to minimize risk of online identity theft and potential financial loss.

April 2014 Security Focus: Password Security [PDF]


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 of noninterest-bearing transaction accounts, visit:

To calculate insurance using the FDIC's Electronic Deposit Insurance Estimator visit:

01/21/14 Security Focus - Protect Yourself From Fraud
12/05/13 Security Focus - Safeguarding Your Information
02/11/13 Consumer Notice - Visa/MasterCard Merchant Surcharge Fees
12/06/12 Security Focus - Things to Consider when using your Mobile Device
11/16/12 Security Focus - The Attack of the Citadel Trojan


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

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
11/09/12 E-mail Claiming to be from NACHA: Direct Deposit Payments

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

Online Banking Login
Logon to: Internet Banking
Cash Management
Access ID:
Secure Online Banking
Equal Housing Lender Member FDIC  MCB Credit Card Support