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Online Banking |
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LEARN MORE ABOUT MCB ONLINE BANKING
What is MCB Online Banking? MCB Online Banking is a revolutionary new way for you to bank over the Internet. Internet Banking provides you with hands-on access to your accounts with the click of a button. You can view recent activity on your accounts, reconcile accounts, transfer funds between accounts, and even pay bills using your Internet Banking account. Internet Banking can be done from anywhere around the world-as long as you have access to the Internet. This is extremely useful for customers who travel or use more than one computer. See what MCB Online Banking can do for you! Who can use MCB Online? MCB Online Banking is available to all Mound City Bank customers. How do I sign up for MCB Online Banking?
FREE online access FREE account transfer FREE bill payment The charge for bill payments is assessed from your checking account each month. Please remember that Mound City Bank is not an Internet Service Provider (ISP) and you may have to pay charges associated with your Internet access. How long will it take to process my MCB Online Banking application? From the time we receive your application, it typically takes a week for you to receive your User Id and password in the mail in two separate letters. Until you receive your User Id and password, you will not be able to access your MCB Online Banking account. How will I know when I can begin using MCB Online Banking? You will be able to begin using MCB Online Banking as soon as you receive your welcome letters. The welcome letters are sent through the mail within a week of signing up and the first letter will contain your User Id. You will receive another letter in the mail a few days later with your password. Until you receive your welcome letters, you will not be able to access your MCB Online Banking account. How secure is banking on the Internet? With MCB Online Banking, we use a full range of Internet security measures, including cryptography, routers and fire walls, and a trusted operating system to complete our overall security architecture. CryptographySecurity on the Internet begins with your browser. In order to utilize Internet Banking, you must use a browser that supports the Secure Sockets Layer (SSL) protocol. SSL allows you to securely send and receive encrypted data over the Internet. This protocol provides a secure channel for data transmission through its public/private key encryption capabilities. When a client connects to the Internet Banking Vault Server, the session immediately goes through a "handshaking" process where the server sends a certified Digital ID to the client, whereupon an "encrypted tunnel" is created between the client and the server. This simply means that all requests by the client and, subsequently, all replies by the server are encrypted using an extremely long and complicated key. System Requirements:
Your account information is protected by a series of filtering routers and fire walls that act as a barrier between the outside world and the internal bank network. The filtering router is the first component that you pass through to gain access to your account information. Much like a security guard, the router is responsible for determining who has access to what components of MCB Online Banking. This is achieved with Access Control Lists (ACLs) which allow or deny specific services for a particular user. The fire wall is the next security component that you pass through. The fire wall provides a higher level of security and authentication of a client request. The fire wall takes advantage of the same type of ACLs that a router utilizes and tracks each request that was made, who made it, when it was made, where it was made from, and where it was destined for. Each one of these items is used to determine whether the user is granted access to the requested destination and protects the internal bank network from outside access. Trusted Operating System The entire MCB Online Banking application resides within a trusted operating system. The trusted operating system acts much like a fire wall by protecting sensitive and proprietary information from the outside world. The trusted operating system accepts your authorized requests for account information, retrieves the information from our database, and sends the information back to your browser in an encrypted format. The system also contains numerous audit controls to track requests and navigation. This audit control allows us to quickly identify any suspicious activity. Your Responsibility When your MCB Online Banking account is established, we will provide you with a User Id and password to access your accounts through the Internet. The first time you attempt to access your accounts, you will be prompted to change your password. It is important that you memorize your User Id and password and do not convey it to anyone else. You must make sure that no one is watching you enter your password and User Id. You must properly exit your Internet Banking session/browser before leaving the computer. The Internet Banking system allows you to change your password anytime. You should change your password frequently, for security reasons. You will not have to change your User Id, but you do have the option of changing it one time only. Security tips: You can enhance the security features of your MCB Online Banking account by taking some simple precautions. You should keep your password private and make sure not to leave your computer unattended while you are connected to the MCB Online Banking Server. You should also change your password on a regular basis and make sure that no one has access to it. When you have completed your Internet Banking session, be sure to exit your account using the sign off feature on the left side. All of the issues concerning security are covered on our web site, www.moundcitybank.com, within the Private Policy found at the bottom of each page. First Time Users I received my User Id and password. How do I access my account? Once you receive your User Id and password, you will have the necessary information to access your Internet Banking account. A letter will contain your User Id and another letter will contain your password. These letters will be mailed separately. To access the Internet Banking login screen:
How do I begin making bill payments through my Internet Banking account? You can begin making payments through Internet Banking once you have your payees set up.When setting up a payee, make sure to enter all of the information necessary to make that payment (your account number with the payee, the payee's address, telephone number, etc.). You are not able to make any court ordered or tax payments through Internet Banking.
When trying to log into my account, I enter in my User Id and password, press the 'OK' button, and the User Id and password I just entered disappears. Why? Your browser is probably configured to not accept cookies. A cookie is a piece of data used inside the secure banking environment which allows you to proceed within your account without having to login every time you switch banking screens. In order to configure your browser to accept cookies, find out what browser name and version number you are using by going to the Help menu on your browser's title bar and clicking on About (browser). Once you have this information, call us at 1-608-348-2685 or 1-888-622-6069 with this information for instructions on how to enable cookies.When trying to log into my Internet Banking account, I receive a message saying "Login failed, retry." What does this mean? If you receive this message, you have probably entered in your User Id or password incorrectly. Your User Id and password are case sensitive.When trying to access my account, I receive the message, "Your Account Has Been Disabled." What's happened? If you receive this message, chances are that you've unsuccessfully attempted to access your account six times in a row. If this has happened, you'll need to call us at 1-608-348-2685 or 1-888-622-6069. We will need to verify your identity, so make sure you have your social security number available.How long will it take before my account is reactivated and I can login? Call a representative at Mound City Bank and we will be able to reactivate you immediately between the hours of 8:00 a.m - 4:30 p.m. Monday through Friday.Creating a new password deactivates any old passwords and will prevent you from accessing your Internet Banking account until you receive the new password. Why am I having trouble signing onto MCB Online Banking? If you've recently signed up for MCB Online Banking service, make sure you've received your letters. These letters are mailed to you via the U.S. Postal Service. In the separate letters, you'll find your User Id and password. Without your User Id and password you cannot access your Internet Banking account.If you can't remember your password, you need to call us at 1-608-348-2685 or 1-888-622-6069 for a new password. Additional tips for accessing your Internet Banking account:
System Requirements:
When I log out of my MCB Online Banking account, I receive a message saying the information I am submitting is insecure. What does this message mean? The message you see, "Warning! You have requested an insecure document that was originally designated a secure document. The document and any information you send back could be observed by a third party while in transit." (or a related message depending on your browser), is shown because you are moving between a secured page on our Internet Banking server and an unsecured webpage on your browser web.The message is just your browser's way of warning you, "This next page isn't secure, make sure not to send any confidential information once you get there." This means once you enter an unsecured page (your exit page), any information you transmit from that page is not encrypted for security, and could possibly be viewed by an outside source.
When I access my accounts through Internet Banking, I see different balances for the same account. What do these balances mean? The different balances for each account you see on your 'Account Summary' screen are:
How long does it take for my payments to reach their destinations? The first payment will be sent as a paper check. You should allow five (5) business days for this paper check to reach its destination. If that payee accepts ACH payments, the next payment will only take three (3) days. If the payee does not receive ACH payments, then a paper check will be issued each time.I pay my bills using MCB Online Banking Bill Pay, and I have a discrepancy with the payee. What do I do? If you have initiated a payment through Internet Banking and there is a discrepancy with the payee, please call us at 1-608-348-2685 or 1-888-622-6069. A representative from MCB will be able to research the payment, contact the payee or provide you with proof of payment.
When are online fund transfers processed? Transfers made through the MCB Online Banking system are processed in real time. This means that as soon as you confirm your transfer between accounts, the transfer is processed immediately.I'm having trouble transferring funds between my accounts. What should I do? In order to transfer funds through MCB Online, you must be set up to transfer funds. Call us at 1-608-348-2685 or 1-888-622-6069. Tell the MCB representative which accounts you are having problems transferring funds between. If you are not enabled for transfers on the account(s) in question, we may require you to complete a MCB Online Banking Transfer Authorization form. Once we receive the completed authorization form, you will be able to complete transfers between the accounts.How do I need to configure my Internet browser? Your web browser must be configured with the following settings:
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