How can I protect my account from fraud?

SAFE COMPUTING PRACTICES

MCB Online Banking is a highly protected and secure environment which meets rigorous Internet security standards for financial institutions. While we take strong measures to ensure the security of your financial transactions and the confidentiality of your information, it is extremely important that you also take precautions to ensure that your information remains safe and secure. We advise customers to read about these topics and follow the recommended safe computing practices listed below, to protect private information on your personal computer:

1. Protect Your Privacy
2. Use Anti-Virus Software
3. Protect Your Internet Connection
4. Use Supported Browsers

 

1. PROTECT YOUR PRIVACY

Maduro & Curiel's Bank (Bonaire) will never present you with unexpected webpages or send you unsolicited emails asking for your password, Personal Identification Number (PIN), credit card, account numbers or any other private information. We will never ask you to validate or restore your account access through unsolicited email.

Report any suspicious requests to Maduro & Curiel's Bank (Bonaire) immediately at +599 715-5563 (after office hours +599 (9) 466-0800) or email FraudReport@mcbbonaire.com.

The following are tips and best practices to keep you safe:

• Do not reply to unsolicited online or email requests for your username information.
• Protect your MCB Online Banking username and password.
• Your MCB Online Banking username and password are confidential and must never be shared with any outside person or company, including:
• Account aggregation services that consolidate and display all of your financial information in one place.
• Software that records your username and password so that you don't need to enter it the next time you access a website.
• Services that collect your username and password, or any other confidential information, to perform transactions on your behalf or to collect payment from you.
• Any other agreements you may make or services you accept which include your consent to having your Internet activity monitored.
• In divulging your username or password to third parties, you not only compromise funds kept in your bank account but also contravene our terms and conditions and you will be fully liable for any unauthorized access to your accounts and all associated losses arising from these disclosures.
• Pick a password that is difficult to guess by using a combination of letters and numbers (nothing obvious). In fact, if you're using a numeric password, please change it now.
• Memorize your MCB Online Banking username and password and keep them secret. If you suspect your password has been compromised, please change your password immediately or call Customer Service at +599 715-5563.
• Never send confidential information (such as account numbers of any type, MCB Online Banking username or password) via email.
• Avoid using software that records your username or password so that you don't need to enter them the next time you access a website from the same computer. This type of software could give other users of your computer access to your accounts.
• Avoid accidentally agreeing to have your Internet activity monitored by other parties by carefully reading the terms of any software you download and free services you accept online before you download them.
• Always access MCB Online Banking from our website www.mcbbonaire.com.
• Do not leave your computer unattended while logged on to MCB Online Banking.
• Always log off when you have finished your MCB Online Banking session.
• When accessing MCB Online Banking on a public computer, clear your browser's cache after each session. Each time you access the Internet, your browser automatically saves a copy of the webpages you've visited. Diligently clearing your browser's cache after each session is an important step in safeguarding your account information.
• Keep your Bankomatiko card and/or e-Pass in sight at all times during transactions and never lend your card to anyone.
• Review your account statements and/or online account transaction details promptly and report any discrepancies immediately. With MCB Online Banking, you can review your up-to-date account transactions and therefore identify any discrepancies. If you find any discrepancies call Customer Service at +599 715-5563.
• Report lost or stolen Bankomatiko cards immediately to +599 715-5563 or after business hours +599 (9) 466-0800.

2. USE ANTI-VIRUS SOFTWARE

Whenever you use the Internet, there is a potential risk of contracting a computer virus or the possibility of infiltration by intrusion software commonly known as "Trojan Horses". Computer viruses can modify programs, delete files and erase the contents of hard drives. "Trojan Horses" can have similar effects and may be able to capture keystrokes, including passwords or other secret information. Spyware and other deceptive software can also conduct certain activities on your computer without your knowledge or consent.

The potential consequences of any of these threats could include damage to your computer, compromise of your secret information, fraudulent transactions issues on your behalf and the inability to use MCB Online Banking.

For these reasons, we advise our customers to follow these practices:

• Install and frequently update a proven anti-virus product, such as McAfee VirusScan or Norton AntiVirus. Most popular anti-virus products include some spyware scanning capabilities.
• Only accept or download software from a source that you believe to be trustworthy.
• Never accept files or attachments when accessing websites, newsgroups and chat rooms unless you are very sure of their authenticity.
• Ensure you are using a legally licensed operating system.

3. PROTECT YOUR INTERNET CONNECTION

There are additional vulnerabilities associated with having a computer directly connected to the Internet for an extended period of time. This applies to all users but it is extremely important for users with cable, DSL or wireless broadband Internet access. These methods of connection do not require 'dialing' into the Internet and thus are sometimes described as 'always on' connections. Unfortunately, as long as the computer remains 'on' and connected to the Internet, malicious parties have a continuous window of opportunity for attacks on the user's computer.

If you use a cable, DSL or wireless broadband connection for Internet access, you can limit this security risk by disconnecting from the Internet when your session is complete, or by turning off the cable, DSL or wireless modem. However, if you want to continue to take advantage of the 'always on' feature of cable, DSL and wireless broadband connections or if you run extended dial-up sessions on the Internet, we recommend the following security measures be taken:

• Disable File Sharing on Your Personal Computer
  File sharing is a Windows feature that allows other computers to access your computer, even from across the Internet. Microsoft has provided instructions on how to disable file sharing in Windows Help. Our recommendation is to disable file sharing. However, if you choose to retain this option for your particular environment, exercise due care and apply appropriate security measures.
• Install a Personal Firewall
  Install and frequently update a proven firewall product, such as Windows Firewall, Personal Firewall Plus or Zone Alarm, which can be configured to prevent unauthorized access to your computer and keep it up-to-date.
• Get Computer Security Updates
  Ensure that you are using a legally licensed operating system. You may be able to improve the security of your system by getting updates to help correct issues that may make your computer vulnerable to virus or worm attacks. As such, you should diligently apply security patches as they become available. Find out more:
  • Windows users: Microsoft Security
  • Apple users: Apple Product Security
    
    

If you have a wireless network, there are additional measures that should be taken to protect your Internet connection:

• Use Encryption
  Enable the highest level of encryption available for your router; newer wireless routers typically use Wi-Fi Protected Access II (WPA2), and older versions use Wi-Fi Protected Access (WPA). This will encrypt all data transferred between your computer and wireless router. In addition, devices without your encryption key cannot connect to your wireless router.
• Change your Default Password
  All wireless routers are given a default administrator password by their manufacturers, so make sure to change this password to prevent unauthorized access to your wireless router.
• Change SSID (Service Set Identifier)
  The SSID is the name of your wireless network. In order for a computer to connect to your wireless network, the SSID must be known. You should change the manufacturer's default SSID name to a unique name that will not be easily guessed, and has no direct connection to you or where you are located (e.g. don't use your last name or street address).
• Switch off SSID Broadcasting
  You can further secure your network by disabling SSID broadcasting, which will hide your network from outsiders. It would be very difficult for an outsider to access your network once you have changed your SSID and turned off broadcasting, as they would have to start guessing the name of your network to access it.

4. USE SUPPORTED BROWSERS

Our online services are designed to be used with the current version or the immediately preceding version of most popular browsers (See Technical Requirements for complete list). Users of the online services should keep their operating system and browser current with updates as they are released. While these services generally function well with other browsers, we are unable to offer technical guidance should a customer experience difficulty with their use.