Skip to main contentor please stop by one of our convenient locations.
CONTACT WHY CHOOSE MBTC CAREERS LOCATIONS & ATMS
MBTC will NEVER request personal information by telephone, mail or text messaging including account numbers, passwords, personal identification information or any other confidential customer information.
Fraudulent emails may be designed to appear as though they are originated by MBTC. Do not respond to any email communications that request any type of personal or confidential information, and do not click on any links listed in the email. Further, the bank will not request its account holders to install software or require changes to established procedures without securely communicated notification.
If you contact us, we may ask you to verify two or more of the following pieces of information to verify your identity. These include ‘challenge questions’ that you may have established with us and/or the joint account holder’s name (if applicable), last 4 digits of you SSN or TIN, account number, most recent deposit amount (if applicable), birth date or a day-time telephone number. If we contact you, we will never ask you for your debit/credit card number or your full SSN or TIN. If we need to contact you, it will always be done in a manner that protects your personal, confidential information, and we will clearly identify ourselves. Safeguarding your confidential information is our top priority.
MBTC deploys a layered security approach including multi-factor authentication as part of a comprehensive information security program to protect your confidential information. If you receive any suspicious emails, telephone calls or any other communications regarding your personal or confidential bank information, please contact MBTC immediately at 570-966-1041. MBTC works with local regulatory and law enforcement departments to be certain that any type of illegal activity is stopped as soon as possible. Reacting promptly can help you maintain certain protections you have as a consumer under federal law regarding limits on liability for unauthorized activity. For more information regarding consumer protections, please refer to the Electronic Fund Transfer disclosures that were provided at the time you opened your account. To receive a new copy, contact us at 570-966-1041.
Online Banking Security
Tips for you to keep your information secure:
Enhanced Multi-factor Authentication (EMFA)
Internet fraud is becoming more common and more advanced. Multi-factor authentication works by using more than one way to confirm your identity. This is done by using a combination of technology and human input.
Debit Card Protection
Fraudulent use of debit cards has increased in recent years. MBTC has some suggestions for you to consider regarding the care and usage of your debit cards:
Phishing: Don't Take the Bait! (video)
Identity Theft: Protect Yourself! (video)
Internet Fraud: If it sounds too good to be true, it probably is (video)
Social Media: Be Careful Who You Trust (video)
Play it Safe with Portable Devices (video)
In accordance with Federal Regulatory guidelines and sound business practices, MBTC has implemented a security program to specifically address identified risks in offering internet-based services to its customers. The bank recognizes that the most sophisticated and expensive security program can be rendered ineffective if combined with the absence of fundamental customer controls. Thus, we need you to consider the following guidelines for your business so that together we can maintain a safe environment for conducting business transactions online.
Risk Assessment – What If?
MBTC has created an extensive list of “What If” scenarios to consider that present varying degrees of risk to the bank and its ability to continue conducting business. These risks are categorized into technical risks, including internet related, computer and telecommunications; human risks, such as fraud, error and robbery; and natural risks, including flooding, fire and snow. A response plan has been created to respond to each risk. We suggest that you also consider doing this for your business.
To address specific risks from conducting business online, consider the following questions.
Utilize resources provided by trade organizations and agencies who specialize in helping small businesses. These include:
Internet Usage/Email Policy
If your business does not have a policy on internet usage for your employees, please consider adopting one. Though the web can be an incredibly useful workplace tool, it can also cause significant workplace havoc that can result in lost productivity, financial loss, liability and damage to the reputation of your business. Unscrupulous websites, as well as pop-ups and animations, can be dangerous. Establish rules about internet usage including email guidelines to protect your business — and your employees.
Why Your Business is at Risk
Beyond malicious activities instigated by outsiders, employees who engage in illegal and/or undesirable web activity during work hours and on company-owned computers can put businesses in a vulnerable position.
What Should Your Internet Policy Include?
When creating a company-wide internet use policy, consider addressing the following issues:
Provide two copies of the policy to employees. One for them to keep and another for them to sign and return to you. The signed copy provides written proof that the employee was made aware of company policies, possible consequences of violating company policies and that they understand and accept these conditions.
Tips for Safe Browsing
In addition to having a policy, the following recommendations can also help promote safe web browsing:
Warning Signs of Potentially Compromised Computer Systems
Additional Security Measures
Examples of deceptive ways criminals contact account holders:
Applicable Laws and Regulations
It is important that businesses understand that a breach of customer information can potentially create financial and reputational risks for the business. For certain businesses, or those utilizing certain services such a debit and credit cards payments, compliance with applicable rules to secure data is necessary to prevent potential lawsuits, cancelled accounts and monetary fines.
Please be aware that banking regulations regarding liability differ between consumer accounts and business/corporate accounts. Please contact us with any questions you may have.
Incident Response Plan
If you suspect that your computer system has been compromised, having an action plan to follow can save time critical to preventing loss. Consider developing a plan that includes the following information and action steps:
© 2020 Mifflinburg Bank & Trust Co. All rights reserved.
The website you have selected is an external one located on another server. Mifflinburg Bank & Trust has no responsibility for any external website. We neither endorse the information, content, presentation, or accuracy nor make any warranty, express or implied, regarding any external site.
Your privacy is very important to us. We would like to advise you that Internet email is not secure. Please do not submit any information that you consider confidential. We recommend you do not include your social security or account number or other specific identifying information.