For other questions or additional assistance regarding your account, please contact your local branch or send an email to electronic_banking@montereycountybank.com.
As a precaution, please do not include any sensitive information when sending emails.
Communications sent to this address will be responded to via email or phone within one (1) banking day.If you suspect unauthorized access or suspicious activity on your account, please contact your local branch as soon as possible.
ACCOUNT ALERTS• What are Account Alerts?• How do I set up Alerts for my accounts?• How are account Alerts sent to me?• How do I cancel Alerts for my account?
SECURITY CHALLENGE (2FA)• What is Two-Factor Authentication (2FA)?• What about my Security Questions?• Can I turn off Two-Factor Authentication?• How are One-Time Passcodes sent to me?• What if I lost or I am not near my phone?• How do I update my phone numbers?
BILL PAY• What does Bill Pay offer?• How do I enroll in Bill Pay?• Is there a fee for enrolling/using Bill Pay?
VISA DEBIT CARD• Can I request/order a Visa debit card online?• Can I change the PIN for my Visa debit card online?• How do I report my Visa debit card as lost/stolen?
INTERNET BANKING
With Internet Banking, customers can:
⇒ View current account information for: • Deposit Accounts • Savings Accounts • Certificate of Deposits • Loans • Visa Debit Cards ⇒ View available transactions/balances ⇒ Transfer funds between designated Monterey County Bank accounts ⇒ Export data for financial management software ⇒ Request stop payments ⇒ Review statement copies for up to 18 months ⇒ View check copies for up to 18 months ⇒ Establish Account Alerts to monitor accounts ⇒ Create a Spending Report to track income and expenses ⇒ Make bill payments • Some restrictions may apply • Requires separate enrollment in Bill Pay
Note: Services and features may be subject to change.
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To sign up for Internet Banking, you must be a Monterey County Bank account holder or an authorized account agent.
Online self-enrollment for Internet Banking is not available, at this time.Please visit or contact one of our branches to speak with an account representative for further assistance.
There are no set up or service fees for Monterey County Bank's Internet Banking. Standard account or transactional fees, as described in the MCB Standard Disclosure, may apply.
Please visit or contact one of our branches to request a copy of our current MCB Standard Disclosure.
Additional fees may apply for add-on services in Internet Banking (i.e., Bill Pay).
Cash Management is a corporate suite of online services. Enrollment and service fees apply for access to this product.
Monterey County Bank's website is accessible on mobile devices and mobile web browsers. Please note that the formatting and functionality, may vary from one device to another.
At this time, Monterey County Bank does not offer Mobile Banking (via a mobile app).
The requirements will be notated on any screen where your access ID and/or password can be changed. At the Bank's discretion, the log on credential requirements (i.e., number of letters, numbers, symbols, etc.) may be updated or modified without prior notice.
When attempting to change your access ID or Password, failure to meet these requirements will result in an error message that "Login Information is Missing or Invalid".
To change your password, log into your Internet Banking account and click on the “Profile” link in the top right-hand corner of the screen.
For additional assistance, please contact your local branch to speak with a bank representative.
After multiple incorrect login attempts have been made, the system will automatically disable your account to prevent any further access attempts. If this occurs, you must contact your local branch for further assistance.
If your account has not yet been disabled, you may be able to reset your account to a temporary password by clicking the “Forgot Password” link. Complete the required information on the Forgot Password screen. The information provided must match an active Internet Banking account. An email with a temporary password will be auto generated and sent to the email address on record.
If you do not receive the email or continue to encounter problems signing in, please contact your local branch to speak with a bank representative.
At this time, Access IDs cannot be retrieved or changed online.
For additional assistance, please visit or contact your local branch to speak with a bank representative.
To change your email address, log into click on the "Profile" link in the top right-hand corner of the screen.
At this time, bank account changes (i.e., addresses, phone numbers, account signers, etc.) cannot be changed or requested online.
No, for security purposes, bank accounts cannot be opened and/or closed online.
At this time, bank account changes (i.e. addresses, phone numbers, account signers, etc.) cannot be changed or requested online.
No, for security purposes, bank accounts can not be opened and/or closed online.
External Online Banking Transfers to other Financial Institutions are not available, at this time.
For wire transfer options, please contact your local branch to speak with a bank representative.
Click on the Accounts menu to view the Account Information screen, select the applicable account to place the Stop Payment on then click on the “Stop Payments” button. Complete the applicable information as requested. Standard Stop Payment fees will apply as outlined in the MCB Standard Disclosure.
Please contact one of our branches to request a copy of our current MCB Standard Disclosure.
At this time, online check/deposit slip ordering is not available.
Yes. Checks that have cleared your account will be listed under the Description column when viewing the detailed Account Information screen. Click on the check number to view the check image.
To search for checks (up to 18 months): search for checks using the Search Transactions fields on the Account Information screen.
Click on the account to view the Accounts Information screen then click on the “Documents” button. Up to 18 months of statements may be viewed online for open/active accounts only.
For older statements or statements for closed accounts, please contact your local branch for further assistance.
Statements are available online, however, mailed paper statements cannot be disabled at this time.
Yes. Click on the Accounts menu to view the Account Information screen, select the applicable account to place the Stop Payment on then click on the “Stop Payments” button. Complete the applicable information as requested. Standard Stop Payment fees will apply as outlined in the MCB Standard Disclosure.
Yes. Click on the account to view the Accounts Information screen then click on the “Documents” button. Up to 18 months of statements may be viewed online for open accounts only.
At this time, electronic statement delivery is not available.
Transaction information for up to 18 months may be exported to certain file formats which can then be uploaded to financial software.
Go to the Account Information screen for the account in which you would like to export information. Click on the "Download" button and complete the applicable fields. You may also click on the "Categorize" button and click on the "Export Transactions" link.
Some versions of financial software may allow you to link your bank account to automatically download statement information. Customers who integrate their Internet Banking account directly with third-party software (i.e., QuickBooks, Mint, etc.) by providing the third-party software the Access ID and Password, do so at their own risk. The Bank is not responsible for unauthorized activity due to account compromise via third-party software.
To cancel your Internet Banking account, please contact your local branch to speak with a bank representative.
Please note, that Internet Banking Accounts that are inactive (have not been signed in to) for one hundred twenty (120) days will automatically be disabled on the system and will no longer be accessible. If your account has been disabled, please contact the Bank to speak with a representative for further assistance in re-establishing your online account.
ACCOUNT ALERTS
Account alerts help you monitor critical financial information such as account balances, password changes, deposits made, and other banking alerts in real time by email, text, and online.
Account Alerts may be established by accessing the "Alerts" menu. By using this feature, you are opting in to receive email, SMS text messages or online notifications for any of the available alerts that are established at your discretion. Refer to the Internet Banking Standard Services Agreement for details on terms and conditions related to the use of this service.
There are no bank fees for this service. Standard message and data rates may apply from your service provider to receive SMS Text message.
Alerts can be sent to you via SMS Text message, email or an online notification when you log in to your account.
Standard message and data rates may apply from your service provider to receive SMS Text message.
To cancel Alerts, log in to your online account, view your Alerts page Overview and click the Delete button next to the alert you would like to cancel.
Additionally, SMS Text alerts may be canceled by replying “STOP” to the Alert short code 41952.
SECURITY CHALLENGE (2FA)
Hackers use various methods, such as phishing or malware, to gain access to online accounts and personal information. Usernames and passwords are only the first line of security defense. If this information is compromised, the use of 2FA creates a second layer of security by requiring a unique One-Time Passcode (OTP) also be entered into our system prior to gaining access to your online account. Only you will be able to access this passcode on your phone!
The use of Security Questions, such as “What is your favorite color?” or “What is the name of your favorite pet?” have become a less secure method for verification. The answers to these questions can often be guessed, searched online, or found on social media thus making it easy for some fraudsters to respond to these questions.
Any previously established security questions for Internet Banking have been replaced with the 2FA one-time passcode security challenge.
No, this is an added security measure. Upon first time log in to Internet Banking, you will be required to enroll a mobile number to be used to receive OTPs. During subsequent logins, you may be required to complete the 2FA verification if the system suspects unusual activity during your internet banking log in or you initiate certain online activities such as large transfers or profile changes.
Based on the phone numbers established on your account, you may receive OTPs via SMS text to your mobile phone that you have supplied during the 2FA set up, or automated phone call to your mobile, home, or work phone number.
If you lose or are not near your phone, you may opt to receive an OTP via email as a backup.
Once you’ve set up your mobile phone number, you will be able to update it by signing into your online banking account and accessing your “Profile” via a link in the top right corner.
To update your Home or Work number, please contact your local branch to speak with a representative.
BILL PAYMENT
Bill Pay is an electronic bill paying product that is intuitive and offers flexibility to users to:
⇒ Pay bills from multiple checking accounts within Monterey County Bank ⇒ Schedule multiple payments from a single screen ⇒ Schedule, change or stop single and recurring payments ⇒ View payment history and cleared check images up to 18 months ⇒ Organize payees by categories ⇒ 24 x 7 access; extended hours Customer Service and Chat available ⇒ Set up Bill Pay Reminders • E-mails remind users of payments due • E-mail notifications of activated payees • E-mail reminders when a bill was not paid by a "no later than" dateNote: Services and features may be subject to change.
Access to Bill Pay is granted via the Bank’s Internet Banking service. To enroll in Bill Pay, sign into your Internet Banking account and complete the Bill Pay Enrollment fields on the Home page. Complete the enrollment process. All Bill Pay new enrollments require Bank review and approval. Additional paperwork for enrollments may be needed. All enrollments are reviewed within two (2) business days.
There are no fees to enroll in Bill Pay. Transactional fees may apply for services within Bill Pay (i.e., rush payment, stop payment, etc.).
VISA DEBIT CARD
New or replacement debit cards cannot be requested online. Please contact your local branch for further assistance.
No, PIN numbers for debit cards cannot be changed online.
To change the PIN on your ATM/VISA debit card, please contact your local branch to speak with a bank representative.
To report your Visa debit card as lost or stolen please call:
⇒ During Regular Business Hours: (831) 649-4600 ⇒ Before or After Business Hours: (800) 472-3272
Page revised as of: 04/04/22
