Login - Online Bank

Monaco Bank and Trust safeguards information according to established security standards and procedures in order to keep your financial information secure and confidential. In addition, we have external vendors perform regular audits of our system. The result is a "layered security" platform, one that ensures protection throughout the banking process, on your computer, during the transmission of information, and in the bank's own computer systems.

Layered security means that, rather than relying on one security measure, we use many lines of defense to protect your account information. Whether you are enrolling online for Internet Banking, viewing your account information, transferring money or paying your bills, you can depend on your accounts and your account information being safe.

We take numerous steps to keep your accounts and personal information secure, and you also play a role in maintaining the security of your banking information. Here are some of the things Monaco Bank and Trust does to keep your online banking safe.

 

Encryption

 

Monaco Bank and Trust uses a minimum 128-bit encryption for BOC Online Banking transactions, and each session uses a unique master key to encrypt messages. Encryption is a communications process that scrambles private information to prevent unauthorized access as during the exchange of information between your computer and the BOC Online servers. Once you sign off, the master key used for that session becomes useless, as it is only good for one session.

 

Timed Log Off

 

If you forget to log off or if your BOC Online banking session is inactive for more than 10 minutes, we take care of you by ending the session. You will need to log back in to access your information.

 

Secure Login

 

You authenticate your BOC Online Banking session by entering your unique User ID and password (also referred to as your PIN), both of which are encrypted as they pass over the Internet and before they are stored on our system.  Once you change your password on the first access, we do not have access to your password.   

 

Multi-Factor Authentication

 

Multi-Factor Authentication (MFA) detects uncharacteristic or unusual behavior involving your account. If anything out of the ordinary is detected we will verify your identity.

So how does it work? If we detect any unusual or uncharacteristic activity, we will ask you to answer your security questions to make sure that it's really you. This will most likely be a very rare occurrence. Once you answer your questions, you can continue banking, with an even higher level of security.

 

Transaction Monitoring

 

After a brief monitoring period, you will be prompted to select some personal verification questions.  During a future log in or transaction, we may ask you to answer these questions if we don't recognize your computer or location, or if you are attempting to complete a transaction for which we need a second level of authorization.

 

EXTERNAL WEBSITE DISCLAIMER: At certain places on this site, there are links to other Web sites. Monaco Bank and Trust does not control those external sites and does not guarantee the content of these sites and subsequent links.