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We recommend using either Netscape Navigator (version 4.76
or higher) or Microsoft Internet Explorer (version 5.0
or higher) for optimal viewing of this web site, and
take advantage of secure interactivity with our site.
If you are not using Netscape Navigator or Microsoft
Internet Explorer you may wish to download either one
now. Click on the one you want to download and follow
the instructions
When sending any application 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 at the bottom of
your screen when you are in a secure mode and an unlocked
pad lock when you are in an insecure mode.
In Microsoft Explorer when browsing securely, the browser
will display a locked padlock icon at the bottom of its
open window, which looks like this:
In Netscape Navigator when browsing securely the browser
will display a locked padlock icon at the bottom left
of its open window, which looks like this:
In Netscape Navigator
when browsing insecurely that same padlock appears unlocked,
like this:
Merchants Bank and 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 and Trust.
Log-In protection for the End User. 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 myMBT has
confirmed your identity.
Three (3) strikes and you're out.
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 and 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 60-minute period on our
site.
Merchants Bank and 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 myMBT 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 myMBT,
this technology encrypts your personal information as you
send it to us, which only myMBT 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.
Our server does not connect directly
to the Internet. It is isolated from the network via "firewall".
All requests to the server are filtered through a router
and firewall before they are permitted access to the server.
A router is a piece of hardware that works in conjunction
with the firewall, a piece of software, to block and direct
traffic coming to the server. The router and software "firewall" define
and limit access that "outside" computers have
to myMBT’s server. The configuration begins by disallowing
ALL traffic and then opens only when necessary to process
acceptable data requests, such as sending customer requests
to myMBT.
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