In 2012, Monticello Banking Company launched Prism Fraud Center Protection for all our Debit/ATM card customers. All transactions are through the Fraud Center and scored based upon purchase location, date, time, customer purchase history and known fraudulent merchants. If a transaction is determined suspicious a representative from the Fraud Center will place a call to the customer to verify the activity.
When the Fraud Center representative calls, they will identify themselves as calling on behalf of Monticello Banking Company. The representative will explain they are calling to verify a transaction on your card and give you the card number.The Fraud Representative will never ask your card number, social security number, birthdate, account number or any other personal information.
If you verify the transaction is legitimate, no further action will be taken. However, if you confirm fraud the Debit/ATM card will be immediately stopped and you will be instructed to contact Monticello Banking Company to order a new card.
It is important to note that if you cannot be contacted, the Fraud Center will place a temporary close on the Debit/ATM card. This may be removed once you call either the Fraud Center or Monticello Banking Company to confirm the transaction. You may call the Fraud Center directly at 1-800-411-8498 or Monticello Banking Company at 1-800-909-3420. If you need to confirm a transaction after banking hours or on the weekends please contact the Fraud Center.
Traveling? For your convenience please contact the Bank (in advance) so we will know the locations the card should be used. Being able to factor in your physical location when using your card can eliminate phone calls and reduce fraud.
It is also very important to make sure the Bank has your most current home and cell phone numbers. This will allow us to quickly and efficiently contact you if suspicious activity is discovered. You may also provide Monticello Banking Company with your email address and you will be sent an email anytime a fraud alert is detected on your debit card.
If you have any questions or concerns please contact us at 1-800-909-3420 or call your local office.
Monticello Banking Company is dedicated to providing the greatest level of security possible to customers and potential customers utilizing our website and online services while maintaining ease of use and accessibility. To ensure privacy and security, customers may access account information online from the Monticello Banking Company website only if the customer has registered for access to NetTeller™. The Bank’s NetTeller product uses Secure Socket Layer (SSL) technology to encrypt customer personal information such as User Ids, Passwords, and account information over the internet. Not enrolled in NetTeller? Enroll Now! If a customer has not enrolled and wishes to review account information, they may send a written request to the address listed on their account statement, call 1-800-909-3420 or visit one of our offices.
The Internet provides customers and businesses a great opportunity to streamline everyday tasks and take advantage of new services and products. Those who will be the most successful with these new opportunities will be those who use them wisely. Although the information below is not exhaustive, it contains some key points that will help you use the internet in a more secure manner. Use these points with caution and good judgment.
Protecting Your Computer
Monticello Banking Company takes extreme caution in protecting customer information and access points to this information that are within the Bank’s control. However, there are still access points that Monticello Banking Company does not control. The main point of access outside of the Bank is customer PCs and other electronic devices used to access online banking information such as NetTeller. While not all inclusive, customers are recommended to follow the below guidelines to help ensure their protection while Banking online:
- Anti-virus should be downloaded and active on the PC. Free versions are usually better suited for home environments and are still generally not as complete as others. Anti-virus should include, at a minimum: real-time protection, anti-spyware, install regular updates and scan email attachments.
- When security patches are released for the operating system and Internet Browser being used they should be downloaded and kept up to date.
- Internet Security Level settings should be set as high as possible while allowing the computer to function logically.
- Internet Browsers should NEVER be allowed to remember passwords. These are stored as cookies and easily accessed if the computer is compromised.
- Passwords should be changed at least every 90 days.
- Passwords should never be shared with anyone.
- NetTeller tells each customer when they last logged into their online banking. This can be viewed at the bottom of the screen. Customers should always check this information to ensure no one else has been logged into their account.
- If a problem is ever suspected promptly notify the bank by calling 877-253-5981 or visit one of our offices.
Submitting Forms Online
Information provided via electronic forms on the Monticello Banking Company’s website is secure and encrypted in most instances. This means it is scrambled en route and decoded once it reaches Monticello Banking Company’s servers. You may check that your web session is secure by looking for a small lock symbol usually located in the upper right corner of your web address bar. You may also look for the letters "https://" at the beginning of your website URL in your web browser. The "s" means that the web connection is secure.
Sending E-mail to Monticello Banking Company
E-mail sent within NetTeller is secure. However, email sent from Monticello Banking Company’s main website or by any other means may not be secure unless Monticello Banking Company advises that security measures will be in place prior to transmitting the information. Therefore, customers should not send confidential information such as social security or account numbers to Monticello Banking Company via an unsecured email. Such information should be sent by postal mail or you may call 1-800-909-3420 or visit one of our offices.
General E-mail Security
Turn off the “Preview Pane” in email software. Some viruses execute as soon as an email message is opened. The preview pane automatically opens all messages. Customers should be extremely cautious with email from any unknown sender. If a customer is in doubt and cannot confirm the origin of the email, serious consideration should be given to deleting the email without opening. Any links embedded within an email should not be clicked. It is generally best to type the URL in the Internet browser yourself or use a link that is known to be legitimate. Many viruses are embedded in attachments such as word or PDF files. Extreme caution should be used when opening any email attachment.
Links to Third Party Websites
Monticello Banking Company is not responsible for the information practices employed by sites linked to or from our website. In most cases, links to outside websites are provided solely as pointers to information on topics that may be useful to the users of the Monticello Banking Company website. Third party websites may have different privacy policies and/or security standards governing their sites.