Monterey County Bank
SECURITY CENTER



As part of Monterey County Bank’s on-going efforts to protect and secure customer information, the following resources have been provided to help educate our customers on information security and identity theft prevention.  We encourage you to take a moment to review these helpful guides to ensure you are taking proper steps to help protect your information or address identity theft and fraud.

Security Guides



 07/2012   Skimming Fraud [PDF]: Protect Yourself Against Debit Card Fraud
08/2012  Security Focus: ID Theft and Account Compromise [PDF]: Best Practices for Protecting Your Information
08/2012  FTC Brochure: Identity Theft [PDF]: What to Know, What to Do.
08/2012  FTC Brochure: Identity Theft [PDF]: Military Personnel & Families: What to Know, What to Do.
11/2012  Security Focus: The Attack of the Citadel Trojan [PDF]
12/2012  Security Focus: Things to Consider when using your Mobile Device [PDF]
03/2013  Security Focus: Tips To Help You Fight Debit Card Fraud [PDF]
12/2013  Security Focus: Safeguarding Your Information and Security Callbacks [PDF]
01/2014  Security Focus: Protect Yourself from Fraud [PDF]
04/2014  Security Focus: Password Security [PDF]
07/2014  Security Focus: Online Shopping [PDF]
11/2014  Security Focus: Computer Best Practices [PDF]
01/2015  Security Focus: Poodle Vulnerability [PDF]
05/2015  Security Focus: ATM Security [PDF]
08/2015  FTC: 10 Ways to Avoid Fraud
10/2015  Fraud & The New Technology: Text Pop Ups and Downloads
11/2015  FTC: Be Cautious of Phone Scams
02/2016  FTC: Money Wiring Scams
05/2016  CA DOJ: Getting Smart About Smartphones
09/2016  Security Focus: Cyber Security Best Practices [PDF]
12/2016  FTC: Heads Up
04/2017  FDIC: Protect Your Cyber Home
07/2017  FDIC: 10 Scams Targeting Bank Customers
10/2017  FTC: 10 Things You Can Do To Avoid Fraud [PDF]
01/2018   Stop Think Connect: CyberSecurity Basic Tips And Advice [PDF] 
04/2018   Stop Think Connect: Passwords and Securing Your Accounts [PDF]

Note: PDF documents will open in a new window.

Consumer Alerts



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


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

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

Security Breaches: Protect Yourself From Fraud



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.

Have you become a victim of Fraud or Identity Theft



If Your Credit, Debit, or ATM Card Information has been compromised:

    ♦ Report the incident to the card issuer as quickly as possible.

    ♦ Report using toll-free numbers and 24-hour service that many companies have established to deal with such emergencies.

    ♦ Request your card issuer close your compromised account number and reissue you a new card with a different number.

    ♦ Monitor your account activity and review account statements carefully after the information loss.

    ♦ If any unauthorized charges appear, call the card issuer immediately.
         •  Follow up with a hard copy letter describing each questionable charge.

If Your Bank Account Information has been compromised:

    ♦ Report the compromise of this information to your bank as quickly as possible.

    ♦ Request your bank close the compromised account and re-open a like account with a different number.

If Your Personal Identification Information has been compromised:

If you believe your personal information (such as your name, address, and Social Security number) has been used fraudulently, contact the three major credit reporting agencies and do the following:

    ♦ Request that the agencies place a fraud alert and a victim's statement in your file.

    ♦ Request a free copy of your credit report to check whether any accounts were opened without your consent.

    ♦ Request that the agencies remove inquires and/or fraudulent accounts stemming from the theft.

Access the FTC: Identity Theft - What To Do Right Away [PDF] checklist for step by step actions to address Identity Theft.

Credit Reporting Agencies



 Experian Equifax  Trans Union

 To Order a Credit Report
or Report Fraud

To Order a Credit Report
or Report Fraud
To Order a Credit Report
or Report Fraud

Visit:
www.experian.com

Visit:
www.equifax.com

Visit:
www.transunion.com 


To Order Your FREE Annual Credit Report
Visit: 
www.annualcreditreport.com OR call: 1-(877)-FACTACT [322-8228]  

 

Questions regarding the September 2017 Equifax Data Breach? Click Here to read our FAQs and learn more on how to protect yourself.

Security Statement



For information on the security features Monterey County Bank has implemented for your protection, please review our Security Statement

Monterey County Bank takes your account security and privacy very seriously, and although the Bank does not routinely monitor customer accounts for unauthorized activities, we will promptly investigate any improper charges or breaches of your privacy which you bring to our attention, or which are referred to us by a governing agency.

If you have any questions or concerns, please contact one of our local branches to speak with a bank representative.


 This page revised as of: 04/05/18

 

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