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Security and Fraud: Awareness and Prevention Information

We take your security seriously.

At Midwest BankCentre, your financial security is important to us. In all of our daily banking transactions, the security of your information is utmost in our minds. Midwest BankCentre will never call or email you to request or verify information about account numbers, PIN's, login ID's, passwords or any other personal information regarding your accounts.If you receive an email or phone call requesting confidential information from someone claiming to represent Midwest BankCentre, do not respond to the message. If you receive an unsolicited request for confidential information by phone or email from someone claiming to be an associate of the bank, please inform Midwest BankCentre immediately by calling (314) 631-5500 or (800) 894-1350.

While we are committed to protecting your information at our banks, you need to be continually aware of others who may not have your financial security in mind. To protect yourself from the many types of fraud affecting consumers today, we have provided some links to important information you should know.

For personal accounts, limitations on your liability for unauthorized electronic funds transfers and other electronic errors that are covered by Regulation E are explained in our EFT Disclosure Statement, available upon request by calling the Midwest BankCentre Client Services Centre at (314) 631-5500 or (800) 894-1350.However, if you use online services for any business activity, you assume all risk of loss for unauthorized transfers and payments, and you must establish your own internal security procedures for employees you authorize to prevent all unauthorized use by other employees or persons.

For Information Specifically Related to Business Banking Security, CLICK HERE.

Business Banking Security Resources

Please contact our Cash Management Team for more information about any of these security features available from Midwest BankCentre.

Please Note: Midwest BankCentre recommends that all commercial online banking customers perform a related risk assessment and controls evaluation periodically.

ACH Block and Filter Service - ACH Block and Filter seeks to eliminate the potential for the posting of unauthorized electronic transactions. As a user of ACH Block and Filter, you can block any of the following types of transactions: Internet (WEB), consumer-to-business (PPD), business-to-business (CCD) and telephone (TEL). Following the decision to block one or more of the transaction types, your account automatically rejects all transactions of the selected type; thus protecting you from losses due to fraud. If you provide the Bank with a list of approved ACH debit or credit transactions, we can block any unauthorized transactions to your account by utilizing our ACH filter.

Positive Pay - This service lets you control which checks are paid from your business checking account. Used to reduce fraud, this risk-reduction strategy effectively blocks all checks from being paid on your account without your prior approval. To streamline your approval process, Internet Banking is required, as you’ll simply indicate which checks are approved for payment.

IP Restrict - When connected to the internet your computer has a clearly identifiable, numeric address, or IP address, consisting of four sequences of digits that are separated by periods. When you provide us with your computer’s unique address, this new fraud protection feature will only allow access from computers you designate as authorized users.

Trusted Access™ - is a portable USB security device or software that safeguards your online banking activity by encrypting data which helps prevent your sensitive information from being stolen. Allowing you to cost-effectively mobilize your computing environments while protecting your critical data, networks, and transactions.

Time Restrict - This is a security feature for online banking users and its purpose is to block user logins outside of specified hours of the day.

Alert Messages - Through our Online Banking you can set up approximately 20 different types of alerts including account balance limits, electronic deposit notification, etc. This will give you up to the minute notification of transactions being processed on your account.

CAUTION: The security procedures discussed above may not protect your information or funds if your computer is not kept secure. Someone who gets unauthorized access to your computer can circumvent these security procedures. The bank will not be responsible for your losses if you do not secure your computer. You should note the following:

Do not leave your computer unattended. Lock it or turn it off when you are not at the keyboard if anyone else has access to the computer

  • Do not use public WiFi systems or other unsecured communications systems for internet transactions.
  • Use a dedicated computer for online banking and other computers for email and other online activities.
  • Use high-quality security programs to prevent unauthorized access to your computer and keep the programs updated.
  • Do not ever disclose passwords or give any unauthorized person access to security devices or your computer.
  • Secure your computer to your desk with a theft proof locking system.
  • Get professional advice about securing access to your computer.

We welcome the opportunity to develop a customized financing package that helps your business achieve its potential. Please contact us today.

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