by freefind

Disclosures

 

Security Statement

 

Your transactions are safe. Merchants Bank works with cutting-edge technology partners to ensure that the most secure environment is made possible for our valued customers. We offer you worry-free Online Banking. You can be completely confident of the following security measures:

 

Secure Communications

 

Our system ensures that data-exchanged between your PC and our computer network is encrypted with 128-bit encryption – the strongest encryption available. Encryption is accomplished through Secure Sockets Layers (SSL), which utilizes mathematical formulas to “encrypt” or hide information from prying eyes on the Internet. Additionally, if SSL detects that data was added or deleted after you sent it to the bank, the connection will be severed in order to guard against any tampering. The most popular browsers have the SSL security feature included.

 

Secure Environment

 

Our computer system does not connect directly to the Internet. It is isolated from the network via a “firewall”. A firewall is a combination of software and hardware products that designate parameters, and control and limit the access that outside computers have to the bank’s internal networks and databases. You can feel secure knowing that our firewall protects your personal information from unauthorized access.

 

Your Password

You will be responsible for maintaining one of the most important security measures: your password. When you receive your access password, be sure to keep it a secret. Memorize it, or write it down and keep it in a safe place. It is not recommended you carry your password in your purse or wallet. Make sure no one watches you enter your password and always close your browser when leaving the computer. Make sure you regularly scan your computer for viruses that could be used to capture password keystrokes. You ultimately hold the key to your password security.

User passwords can vary from six (6) to 14 characters, which means the chance of randomly guessing a password is very remote. The system also checks for invalid logins and automatically disallows a user after three attempts. This prohibits the “hacker” from gaining access to our system, thus protecting your accounts.

Multifactor Authentication

Our authentication offers three powerful levels of security.

  • The first level requires the correct entry of an Access ID and Password. These must match system records or access is refused.
  • The second level of identification is the device the person uses to sign in. If the computer or phone is not recognized, the customer will be required to answer a challenge question or verify their registered email address to ensure their identity.
  • The third level of authentication is based on geographic indicators. If a login attempt is made from a new geographic location, the user may be asked an additional challenge question or be required to verify their registered email address.

Additional Level of Protection:

 

An Extended Validation (EV) Certificate displays a green address bar and our site provider’s name (Fiserv, Inc.). Before entering your Password or answering challenge questions, check your browser address bar. If it is green, your connection is safe. If it’s not, stop and contact us. Each browser could display the EV Certificate differently.

Terms and Conditions

 

THESE TERMS GOVERN THE USE OF THIS WEBSITE. PLEASE READ THEM CAREFULLY BEFORE ACCESSING THE SITE. IF YOU DO NOT AGREE WITH THESE TERMS DO NOT ACCESS THE WEBSITE. BY ACCESSING THE WEBSITE OR ANY OF ITS PAGES YOU AGREE TO BE BOUND BY THESE TERMS OF USE.

This website has been established by Merchants Bank for the sole purpose of conveying information about the Bank's products and services and to allow communication between the Bank and its customers. Information that appears on this website should be considered an advertisement. Nothing contained in any page on this site takes the place of the Bank's agreements and disclosures that govern its products and services. If any information on the site conflicts with that in the bank's agreements and disclosures, the agreements and disclosures will control.

From time to time the Bank may place links to other websites on this page. The Bank has no control over any other website and is not responsible for the content on any site other than this one. Users assume all responsibility when they go to other sites via the links on this page.

The information and materials contained in this website are owned by the Bank or by others, as applicable. No material may be copied, displayed, transmitted, distributed, framed, sold, stored for use, downloaded, or otherwise reproduced except as permitted by law.

The Bank makes no warranties of any kind regarding the products and services advertised on this site. The Bank will use reasonable efforts to ensure that all information displayed is accurate; however, the Bank expressly disclaims any representation and warranty, express and implied, including, without limitation, warranties of merchantability, fitness for a particular purpose, suitability, and the ability to use the site without contracting a computer virus. The Bank is not responsible for any loss, damage, expense, or penalty (either in tort, contract, or otherwise), including direct, indirect, consequential and incidental damages, that result from the access of or use of this site. This limitation includes, but is not limited to the omission of information, the failure of equipment, the delay or inability to receive or transmit information, the delay or inability to print information, the transmission of any computer virus, or the transmission of any other malicious or disabling code or procedure. This limitation applies even if the Bank has been informed of the possibility of such loss or damage.

This agreement may be changed from time to time by posting the new Terms of Use on the website. All users agree to be subject to this agreement as it changes from time to time.