We know that when you share your personal information online, security is of the highest priority. Be assured that Mountain West Bank shares your concern and employs sophisticated security methods. The instant you sign in to your secure Personal or Business Online Banking account your user ID and password are encrypted using Secure Sockets Layer (SSL) technology. This precaution is intended to deter anyone other than yourself and Mountain West Bank from accessing your information.
For helpful tips on how to safeguard your personal information and computer from identity thieves, viruses and scams, please keep reading.
General Security Tips
While anyone can fall prey to fraud and identity theft, many ways exist to minimize your risk. Mountain West Bank provides these security tips so you can guard against fraud and identity theft.
- Never give out personal information online or over the phone unless you have initiated the contact.
- Don't include information such as your driver's license or Social Security Number on your pre-printed checks.
- Avoid using easily guessed or learned information such as your online password, PIN (for ATM transactions) or Telephone Access Code (TAC). We offer you the ability to select a TAC to be used as identification when accessing our automated phone system. We encourage you to select a TAC rather than using your Social Security Number.
- Store new and cancelled checks in a secure place and shred unnecessary financial documents. Consider signing up for a check safekeeping service.
- Avoid writing your account number on envelopes or other items that may be thrown away later
Protect Your Cards
- PIN Selection - Ensure the Personal Identification Number (PIN) you select is unique and not easily identifiable (e.g. birth date, phone number, etc.). If you own multiple cards, differentiate your PIN numbers across cards.
- Protect your PIN - Memorize all PINs, such as your ATM or debit card PIN and online passwords. Do not keep such numbers in your wallet or purse.
- Register your cards - Register your credit cards, ATM, check and debit cards with a liability protection service.
- Keep a record of card information - Keep a secure list of your card account and customer services numbers in case your cards are lost or stolen.
- Use secure sites when shopping online - If you are shopping online, don't provide your personal or financial information through a company's website until you have checked for indicators that the site is secure, like a lock icon on the browser's status bar or a website URL that begins "https:" (the "s" stands for "secure"). Unfortunately, no indicator is foolproof; some scammers have forged security icons.
- Check statements regularly - Monitor your card transaction activity on your bank statements. For added protection, monitor frequently online.
- Sign cards immediately - Upon receipt of your card, ensure that you sign the back signature panel.
- Report suspicious behavior quickly - To report suspicious card activity, or lost/stolen cards, please contact Mountain West Bank's customer service at 800-775-1889. If you need assistance after banking hours, please contact Fraud Services at 1-800-528-2273.
Protect Your Mail
- If you stop receiving bills, statements or other monthly mailings, or if a bill is not received when expected, contact the issuing company immediately, this may be an indication that your mail is being intercepted.
- Promptly collect incoming mail, and use a locking mailbox if possible.
- Send outgoing mail from a secured mailbox or a post office; try to avoid leaving outgoing mail in your home mailbox.
- Shred all unwanted pre-approved offers for credit cards, convenience checks or loans.
- Be aware of your surroundings - be observant of any suspicious behavior (strange-looking devices near the ATM, etc.) or people watching you when approach an ATM. Report this activity immediately to the local police department.
- Protect your PIN - do not let others see the PIN you are entering and never share your PIN with anyone.
- Use ATMs which are under video surveillance or inside of a bank lobby. They're less likely to be tampered with. Thieves have to take more risk installing "skimming devices" where there are security cameras.
- Skimming devices generally will stick out a few extra inches from an ATM. If something looks suspicious, find another ATM. Don't fall for a poor fitting device (or a sticker or sign that says "Swipe Here First," or "Use This Machine Only").
- If a machine keeps your card, call the bank immediately and report it.
- Don't accept "help" from anybody hanging around the ATM. They may say they were having trouble also and you just need to enter your PIN again.
- Keep your eyes on your card if you have any doubts. Don't let a merchant walk off with your card—even for a few seconds.
If you feel you may be a victim of identity theft, please visit our Identity Theft page in this section for more information and a list of resources.
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