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Security News

Monticello Banking Company not only strives to bring you the best in products and services, we are also dedicated to providing you with the greatest level of security and fraud prevention possible. That is why we provide this "Security News & Fraud Prevention" page on our website. You can now stay up-to-date on security news by reading the segments below and you can even view information on various fraud prevention topics by viewing our Fraud Prevention page.

IMPORTANT INFORMATION
For your convenience, a list of current mbc Debit Card blocks is now available for your review. If you have any questions, please contact your local office
Monticello Banking Company maintains that the health and safety of our customers and staff is a top priority. As our team continues to monitor the development of the COVID-19 Corona Virus pandemic, we want to assure our valued customers, friends, and neighbors that we are actively taking the necessary steps to ensure continuation of financial services in our local communities. Due to the continuing spread of the virus, MBC is stepping up measures to safeguard our customers and staff across the state. In this regard, all Monticello Banking Company lobbies will be available by appointment only until further notice, but we are still here to serve you! Our Drive-Thrus will remain open as usual during normal banking hours, and our ATMs  are available for your use 24/7. We also want you to have confidence that you can bank virtually anywhere, anytime with myMBC and goMBC, MBC’s mobile banking app. If you have not enrolled in myMBC already, please call your local office or enroll online today! If you find you still need to visit with an MBC representative in-person, please call your local office to schedule an appointment.

ATMs

All customers and non-customers continue to have 24 hour access to MBC ATMs located at our offices.

Telephone Banking

Customers also continue to have 24 hour access to the MBC BANKline telephone line at (606)348-7788 or toll free at (888)399-0976. Here you may check balances, items cleared, and report a debit card lost or stolen.

Online Banking

MBC customers may access all of their bank accounts via myMBC. Conveniently view your accounts and transactions, find a bank branch or ATM, make payments and more!

Mobile Banking

goMBC, available in your phone’s App Store, provides convenient anytime access. Customers may utilize their mobile app to check their balance, make transfers, and even deposits using the mobile deposit feature.

For everyone’s safety and to comply with Governor Beshear’s directives of social distancing, we do ask at this time handshakes and physical contact of any kind be avoided. You may find more information about Kentucky’s Plan of Action for COVID-19 on Kentucky's Cabinet for Health and Family Services site, or visit the Centers for Disease Control and Prevention website for information about prevention and treatment of COVID-19.

We also want to take this opportunity to remind customers criminals often use global and national emergency situations to prey upon unsuspecting citizens. Please be cautious when speaking to anyone over the phone or opening emails. Verify the authenticity of those soliciting your personal information.

If you have questions please contact us at 1-800-909-3420. We will continue to update our MBC Website as new information becomes available.
We appreciate your continued support and business.
You’ve always been told never to give out your passwords, but did you know you should never share your username either? Sharing usernames and passwords is never a good practice, but it’s especially unwise with your myMBC and mobile banking accounts. Monticello Bank encourages you to use unique usernames and cryptic passwords to help ensure the safe access of your financial information at home or on the go.

Your username and password authenticate your identity, proving that you are you. You are responsible for any activity conducted under your username. If you share your sign-in information, that person now has access to your personal information, including your financial information. Even if someone else is logged in under your account, you are still responsible for what happens including payments made, fraudulent deposits, etc. By keeping your login information private, you’re making sure that your personal and financial information stay private as well.

Not only shouldn’t you share your username and password, make sure you log off when you’re not using your computer or mobile device. If you leave your devices unlocked and unattended, others can see your personal information and inappropriately access your information.

You and only you should know your myMBC username and password. Under no circumstances should you give out this information or allow anyone else to use your account. If you feel you may have mistakenly shared your myMBC username and/or password, login to myMBC immediately to change your username (myMBC ID) and password by choosing the Settings option.
Caller ID lets consumers avoid unwanted phone calls by displaying caller names and phone numbers, but the caller ID feature is sometimes manipulated by spoofers who pretend to be representatives of banks, creditors, insurance companies, or even the government. Often, you will not be able to tell if an incoming call is spoofed just by checking your Caller ID.

These fraudsters can even spoof the number of our Fraud Center. Remember, they will never ask for information, they'll provide the information to you.

Always be careful about responding to any request for personal identifying information. If you feel as if you are the recipient of a spoofing call:
  • Never give out personal information such as account numbers, Social Security numbers, mother's maiden names, passwords or other identifying information in response to unexpected calls or if you are at all suspicious.
  • If you get an inquiry from someone who says they represent a company or a government agency seeking personal information, hang up and call the phone number on your account statement, in the phone book, or on the company's or government agency's website to verify the authenticity of the request.
  • Use caution if you are being pressured for information immediately.
  • If you have a voicemail account with your phone service, be sure to secure it with a password. Some voicemail services are preset to allow access if you call in from your own phone number. A hacker could spoof your home phone number and gain access to your voicemail if you do not set a password.
If you feel your number has been spoofed, you may contact: www.consumercomplaints.fcc.gov
Credit card skimmers are devices affixed to card scanners, most prevalently those on ATMs and pay-at-the-pump gas pumps, designed to copy the data from the magnetic strip on the back of your card, along with your PIN, if you type it in for debit card transactions. The number of card skimming incidences rise every day.

Monticello Bank understands using ATMs and being able to pay by credit or debit card at the gas station are nice conveniences, so we’ve included a few tips to help you avoid having your card skimmed:
  1. Inspect the card reader and the area near the PIN pad.
    If you think the scanning device looks unusual or it doesn't match the machine's color and style, it might be a skimmer. It is unlikely the con-artists are operating more than one skimmer at the same station or bank, so look at the card readers on the gas pumps or ATMs around you. If they are different from the reader you are about to use, it is likely your scanner is equipped with a skimmer. Also check for glue or sticky substances on the card reader, another sign of a skimmer.
  2. Avoid using your PIN at the gas pump.
    Along with ATMs, self-service gas pumps are prime targets for skimmers. When you pay at the pump with your debit card, choose the credit option when running your card. This prevents you from entering your PIN which is what the skimmers need to withdraw cash from your account at ATMs. Note: When using the credit option, you may be asked to enter your ZIP code as verification.
  3. Keep an eye on your accounts.
    If you suspect that your card may have been skimmed, keep an eye on your account balance and report any suspicious activity immediately.
If you find a skimmer, contact the police immediately and take a photo of the device, if possible.

Please feel free to contact Monticello Bank at 606.348.8411 with any questions regarding this or any other scam.