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Security Center

Stay Safe. Stay Informed.

As part of our ongoing commitment to keeping your information safe, we encourage you to review these helpful tips and resources on protecting yourself from identity theft and fraud.

 

Taking a few simple steps can go a long way in safeguarding your personal and financial information.

  • Monitor Your Accounts Regularly

Review your bank and credit card statements frequently to detect unauthorized transactions early.

 

  • Report Suspicious Activity Immediately

Contact your bank or card issuer as soon as you notice any unusual activity.

 

  • Check Your Credit Reports

Regularly review your credit reports to identify any accounts opened without your consent.

 

  • Be Cautious with Personal Information

Never share your banking login credentials via email or phone. Monterey County Bank will never request this information.

 

  • Secure Your Devices

Keep your computer, smartphone, and tablet updated with the latest security patches and antivirus software.

 

  • Avoid Public Wi-Fi for Banking

Use secure, private internet connections when accessing your bank accounts online.

  • Use Strong, Unique Passwords

Create passwords that are at least 12 characters long and include a mix of letters, numbers, and symbols. Avoid using easily guessed information like birthdays or names.

 

  • Don’t Reuse Passwords

Use a different password for each of your online accounts to prevent a breach on one site from affecting others.

 

  • Enable Multi-Factor Authentication (MFA)

Whenever possible, enable MFA for an extra layer of security.

 

  • Use a Password Manager

Consider using a reputable password manager to generate and store complex passwords securely.

 

  • Change Passwords Regularly

Update your passwords periodically, especially if you suspect an account may have been compromised.

  • Recognize Phishing Attempts

Be wary of emails or texts that ask for personal information or urge immediate action.

 

  • Verify Links and Attachments

Hover over links to see where they lead and avoid opening unexpected attachments.

 

  • Log Out After Sessions

Always log out of your online banking session when finished, especially on shared devices.

 

  • Use Bank Alerts

Set up transaction alerts to monitor account activity in real time.

If Your Card Information Is Compromised:

 

  • Report the incident to your card issuer immediately.
  • Request a new card with a different number.
  • Monitor your account for unauthorized charges.
  • Follow up with a written letter detailing any fraudulent transactions.

 

If Your Bank Account Is Compromised:

 

  • Notify your bank right away.
  • Request to close the compromised account and open a new one.

 

If Your Personal Identification Is Stolen:

 

  • Contact the three major credit bureaus
  • Request a fraud alert and a victim’s statement.
  • Order a free credit report.
  • Request removal of fraudulent accounts or inquiries.

Access your free credit report at AnnualCreditReport.com or contact the credit bureaus directly to report fraud or identity theft. Stay informed. Stay protected.

To Order Your FREE Annual Credit Report, visit:

OTHER Helpful Resources

FDIC Consumer News

Stay informed with practical tips and strategies to protect your finances.

FTC Consumer Advice

Get tips from the FTC on protecting your privacy and avoiding scams.

IdentityTheft.gov

Access more resources to help prevent or report Identify Theft.