At Maine Community Bank, we understand that there is nothing more important than your privacy and security while using our website and the Online Banking services of our two divisions, Biddeford Savings and Mechanics Savings. We are committed to taking every precaution to protect and safeguard your privacy.
Online fraud occurs when someone poses as a legitimate company in an email, pop-up message, or on a website designed to get you to enter sensitive personal data. Your data can then be used to conduct transactions on your existing accounts without your consent. This type of fraud is called “phishing” or “spoofing”.
Always keep in mind that Biddeford Savings or Mechanics Savings will never require you to send personal information, including username, password, or other online banking credentials, to us via email or pop-up windows. Any unsolicited request for Biddeford Savings or Mechanics Savings account information you receive through emails, websites, or pop-up windows should be considered fraudulent and reported to us immediately.
All Online Banking transactions, such as transfers of funds between Biddeford Savings or Mechanics Savings accounts and third-party bill payments, are conducted in a secure (encrypted) environment to protect your privacy.
Protect Your Security
While the Internet has provided significant advances in technology that allow ease and convenience for transacting business, it can also provide an entryway to your personal information if you don’t take the necessary steps to ensure safe and secure online experiences. These tips will help you protect yourself and your information online.
- NEVER provide any personal information to an inquiry that is originated by someone else. Do not respond to email inquiries even if they appear to be from a legitimate source. No financial institution, business, or government agency will request you to confirm personal information. They already have the information if you have conducted business with them before. Do not provide social security numbers, account numbers, credit card numbers, passwords, usernames, etc.
- Memorize all your passwords. Don’t use passwords that can be guessed easily, such as children’s names, social security number, or date of birth. Use a mix of upper and lowercase letters and symbols when creating a password. Change your password periodically.
- Safeguard your social security number. When a Social Security number is requested to sign up for a service, confirm that it is needed rather than some other identifier. Don’t write your social security number on your checks.
- Shred financial or personal documents before discarding. Most fraud and identity theft incidences happen as a result of mail and garbage theft.
- Utilize paperless options and limit your receipt of paper statements by managing your accounts online. Checking your balances online can help you regularly monitor your account activity and more quickly detect any fraudulent transactions.
- Receive and pay bills online with Bill Pay. The fewer personal documents sent through the mail, the less chance there is for possible fraud.
- Always use a secure Web site when submitting credit card or other personal information in transactions that you initiate. Make sure you have a firewall in place.
- Monitor your bank, credit card, and other accounts regularly to ensure that all transactions are legitimate.
- Be suspicious of any email notifications requiring you to act immediately to prevent an account from being closed or voided.
- Don’t click on links in suspicious emails.
- Contact us if you become suspicious of any email alleging to come from the bank.