Security

When sending any sensitive information online, this site automatically switches to a secure mode. This is evident by the "https" that will appear in the url as opposed to "http." If you are using Internet Explorer you will see a locked pad lock in the web address line as well as the address line turning green when you are in a secure mode.

Security Measures

Merchants Bank & Trust understands that the security of your personal and account information is important to you. We also understand that our continued success as a financial institution relies on both our ability to offer banking services to you in a secure manner as well as your responsibility in keeping any access codes, passwords or PINs secure. To assist us in offering these Web-based banking services in a secure manner, we employ a number of measures, which are described below. These measures allow us, among other benefits, to properly authenticate your identity when you access these services and protect your information as it traverses the Internet between your PC and Merchants Bank & Trust.

End User Log-In Protection

Every end user must privately maintain a combination of a password and Log-In ID. The end user is assigned the original password by the bank administrator forcing the end user to change the password once logged onto the system and before any transactions can be requested. This forces the end user to establish an absolutely private password. If, in case the password is loss or forgotten the administrator will be able to reset a default password for the end user once Merchants Bank has confirmed your identity.

Three (3) Unsuccessful Logins

If an unauthorized person attempts entry into an end user’s account by trying to guess a Log-In ID, the site will disable the password on the third incorrect attempt, thus invalidating the Log-In combination. If you accidentally activate this security feature by unintentionally mis-keying a password three times, you would need to call Merchants Bank & Trust to reestablish the password for that account. For example, a common mistake made by the end user is having the CAPS-LOCK on while keying in a password.

To further protect you, a timeout feature is used. This feature will automatically log you out of your current financial service session after a 10 minute period on our site.

Encryption

Merchants Bank & Trust also requires the use of secure browsers to protect you while you access our online financial services. More specifically, the personal and account information that flows back and forth between your PC and Merchants Bank must be encrypted while in transit – secure browsers are how we achieve this level of protection. Encryption is the process of scrambling information (typically for data transmission) so that it can only be reassembled in its original clear text format by someone who has the correct encryption key to do so. When used between you and Merchants Bank, this technology encrypts your personal information as you send it to us, which only Merchants Bank can decrypt. Likewise, when we send personal or account information to you, this technology encrypts it, which only you can decrypt. This is possible through a certified 128 bit secure server by VeriSign so that no unauthorized individuals can read or decipher the data.

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You are leaving the Merchants Bank & Trust web site. This link is provided for your convenience. Please be advised that Merchants Bank and Trust makes no endorsements or recommendations of the web site or its content and disclaims any responsibility for actions or transactions on the site. Also, please be aware that the privacy policy of the linked web site is not that of Merchants Bank and Trust.

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You are leaving the Merchants Bank & Trust web site. This link is provided for your convenience. Please be advised that Merchants Bank and Trust makes no endorsements or recommendations of the web site or its content and disclaims any responsibility for actions or transactions on the site. Also, please be aware that the privacy policy of the linked web site is not that of Merchants Bank and Trust.

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