FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Security Center

At Monterey County Bank, your security is our top priority. We are committed to helping you protect your personal and financial information. Below are essential resources and best practices to help you stay safe online and prevent identity theft and fraud.

Best Practices for Protecting Your 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.

Password Management Tips

  • 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.

Cybersecurity Awareness Tips

  • 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.

What to Do If You’re a Victim of Fraud

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.

To Order a Credit Report or Report Fraud visit:

To Order Your FREE Annual Credit Report, visit:

OTHER Helpful Resources

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

  Tips from the FTC on protecting your privacy and avoiding scams.

  More resources to help prevent or report Identify Theft.

Contact Us

We do not routinely monitor accounts for unauthorized activity, so your vigilance is essential. If you suspect fraud, have any questions or concerns about your account security, visit or contact us to speak with a bank representative.