motusbank offers you a variety of ways to bank and interact with us online. Our digital channels offer you control and convenience as well as access to our digital services.
Digital banking provides convenient access to information and the ability to perform transactions from home, work or other locations. It is important to be aware that when you communicate via the Internet, other people and software can also communicate with your computer. An inadequately protected computer can be accessed by an unknown party or a virus in a very short period of time.
What we are doing to protect your security
motusbank Online Banking offers you the best security currently available in a commercial environment so that your personal and financial information is protected while in transit between your computer and our server. This is done through the use of industry standard security techniques:
- In addition to encrypted passwords, motusbank’s Online Banking services offer enhanced security features, including the use of challenge questions, to help you identify that you are accessing motusbank’s Online Banking site (and not a fraudulent site masked to appear as the legitimate online banking site). You will be asked to answer one of your personal challenge questions if you sign in to motusbank’s Online Banking or Mobile Banking App from a computer or mobile device that you have not previously registered as ‘trusted’.
- Encryption ensures that information cannot be read in transit or changed by scrambling the data using a complex mathematical formula. Some browsers can create a more secure channel than others, owing to the 'strength' of their encryption. motusbank uses the strongest channel available - referred to as 128-bit SSL (Secure Socket Layer). If you have a browser that only supports 'weaker' encryption such as 40-bit or 56-bit SSL, you will need to upgrade your browser before using our site. The longer and more complex the 'key' is, the stronger the encryption. The 40 and 128 refer to the length of the key. Since 128 is longer, than 40, it is more secure.
- Use of robust and multi-layered security of servers and applications, multiple layers of internal and external firewalls which protect motusbank’s online environments.
- Regular reviews of our security practices and technology updates as well as regular reviews to ensure our security and privacy policies and standards reflect our industry leading position.
- Access to our databases is strictly managed and systems are in place to ensure security is not breached, including the physical security of our computer hardware and communications.
- Automatic session terminations - To help you protect your information, if there has been no activity for 15 minutes, you will be prompted that your session will be terminated and have the option to continue with your session, if not replied to within five minutes; your online banking session will end automatically.
What you need to do to protect your computer and password
Protecting your password and answers to your secondary challenge questions.
Just as you play a vital role in ensuring the security of your home and your possessions, you too share in the responsibility for ensuring that your personal information is adequately protected. In order for us to ensure that only you are accessing your accounts, we need a unique way of knowing that it's you. Just as the key to your home protects unwanted entry, the online banking 'key' - your password and your secondary challenge questions - ensures that only you can access your accounts.
It is your responsibility to ensure that your 'key' to motusbank Online Banking is protected. Please observe the following security practices:
- Select a password that is easy for you to remember but difficult for others to guess.
- Select your security questions that only you know the answer to.
- Select security image and phrase that is easy to remember and meaningful.
- Do not select a part of your PIN (your ATM 'key') or another password.
- Keep your password and secondary challenge answers confidential - do not share.
- Do not write your password down or store it in a file on your computer.
- Never disclose your password to anyone for any reason. Ensure no one watches you type in your password.
- Change your password regularly. We suggest every 90 days.
- Members are reminded that any password that has been in use prior to March 2012 will be required to follow new requirements the next time their password is reset.
Protecting your computer
- Never leave your computer unattended while using banking services.
- Always exit motusbank Online Banking using the logout button and close your browser if you step away from your computer. Your browser may retain information you entered in the login screen and elsewhere until you exit the browser.
- Prevention of Browser Caching (storing of pages) is enabled by default when using motusbank Online Banking. This prevents secure pages and page information from being stored on your personal computer. It is also a beneficial security feature if you are accessing the site from a shared computer, such as at a friend's house or through a publicly-accessible computer, such as at a library or airport.
- Secure or erase files stored on your computer by your browser so others cannot read them. Most browsers store information in non-protected (unencrypted) files in the browser's cache to improve performance. These files remain there until erased. They can be erased using standard computer utilities or by using your browser feature to "empty" the cache.
- Disable automatic password-save features in the browsers and software you use to access the Internet.
- Install and use a quality anti-virus program. As new viruses are created each and every day, be sure to update your anti-virus program often. It is recommended you update anti-virus definitions automatically. Scan all download files, programs, disks and attachments and only accept files and programs from a trusted source.
- Install and configure a personal firewall on your computer to ensure others cannot access your computer through the Internet.
- Install new security patches as soon as your operating system and Internet browser manufacturers make them available.
Protecting your information when using a public computer
You should be extra vigilant when using publicly available computers. Even if you adopt the tips above to protect your information, you need to bear in mind that even benign programs, like popular desktop search programs, can pose a security risk. Certain programs, such as Google Desktop, cache items that you have viewed so an unwelcome third party can easily search and find those pages again later.
To ensure a safe and secure Internet session, only visit reputable sites. If you visit any questionable web site before motusbank Online Banking, we recommend you close your browser and restart it before proceeding to motusbank Online Banking.
Fraud: Recognize it. Report it. Stop it.
Electronic identity theft can occur when you respond to a fraudulent email that asks for your personal banking information (This is called Phishing). Armed with this information, a person may be able to access your accounts or establish credit, pay for items or borrow money using your name. For this reason, motusbank uses different methods to help you confirm the motusbank Online Banking site is legitimate and secure. These include the selection of a unique personal image, challenge questions and answers and a unique personal code.
Safety precautions for online banking
We will never ask you for your personal passwords, personal information numbers or login information in an email. If you receive such an email:
By working together, we can defend potential online information security threats. Contact motusbank at 1-833-696-6887 immediately if you suspect someone has gained knowledge of your password or if you suspect any loss, theft or unauthorized use of your account.
- Do not click on any links contained in the email or reply to it.
- Immediately forward the email to email@example.com
- Delete the email once reported.
- Check the address of any webpages that ask you to enter personal account information. In the toolbar at the top of the page any legitimate banking web site will begin with 'https' to indicate that the page is secure.
- Look for the padlock found in the lower right corner of your screen. If the webpage is legitimate, by clicking on the padlock, you can view the security certificate details for the site. A fraudulent site will not have these details.
- Type in our web address yourself to ensure you are transacting with our server.
- Check your bank and credit card statements regularly to ensure that all transactions are legitimate.