Memorial City Bank views the protection of your financial information as a top priority.  We also view the safekeeping of your banking data as a partnership between you, our valued customer and the bank.  The risk of fraud and identity theft are minimized to the greatest extent when we work in tandem to take proactive steps to secure your accounts and transactions.

The following document outlines the measures we will take to protect your business and personal banking information and the steps we strongly recommend you also take to add another layer of financial safety.  To learn more about treasury management services, online banking and other ways to further enhance your banking security, please contact us at (713) 827-2700 or by e-mailing us at

Business Security

What We Do:

  • Provide education for your employees on how to keep their online access safe. Register today at
  • We offer eStatements to reduce paper in your mailbox, stored at the office or thrown into trash.
  • We offer eAlerts to let you know about significant transactions and activity in your account(s).
  • We offer Positive Pay to verify your checks are paid for the amount written.

What You Can Do:

  • Sign up for positive pay, a powerful tool to prevent check fraud.
  • Sign up for online banking, eStatements and eAlerts.
  • Segregate duties among your employees.
  • Keep signature cards up to date with Bank.
  • Use a shredder and have a policy for shredding documents.  
  • Use security tokens in addition to a password to provide a constantly changing numeric code for logging in.
  • Use and keep updated anti-virus and malware software.

Fiserv Business Online Security Awareness Training for End Users

To access these courses please contact us at (713) 827-2736 or by emailing us at

5501 - The Risk Background And Threat Landscape

This is the first session in this three-part course in online security designed especially for a business’ employees who use online banking. This course explains how cybercrime occurs and offers some basic suggestions to help protect you from organized syndicates of computer hackers.


5502 - Risk Management and Reduction

This is the second session in this three-part course in online security designed especially for a business’ employees who use online banking. This session focuses on awareness by explaining the various tools and practices that can help mitigate the risks from the potentially devastating effects of malware.


5503 - Managing a Negative Event

This is the final session in this three-part course in online security designed especially for a business’ employees who use online banking. You will learn the chilling details of a typical cyber-attack on a business and the proper responses to malware and other threats. An Online Security Assessment completes the course.

Access Training Course   Access Training Course   Access Training Course

Paper documents containing confidential personal and financial information

What We Do:

  • We offer eStatements to reduce paper in your mailbox, stored at home or thrown in the trash.
  • eBills received through online bill pay further reduce the amount of personal information delivered to your mailbox.
  • A stop payment can be placed on a single check or a series of checks anytime through online banking.

What You Can Do:

  • Sign up for online banking, bill pay, eBills and eStatements.
  • Secure necessary paper documents in a home safe or rent a safe deposit box from the bank.
  • Shred all paper documents that contain confidential financial information.
  • Store checks and checkbooks out of plain view – preferably in a secure location.

Unauthorized access to online accounts

What We Do:

  • Online banking customers are required to use multi-factor authentication credentials in order to gain online access – all can be changed by the user at will.
  • Complex passwords - pictures, phrases, security questions and computer registration substantially reduce the risk of account exposure.
  • Website encryption (https:) further protects information as it flows between two points.
  • Our Customer Service Center provides support via telephone.
  • Automatic log-out after online banking or bill pay has been idle for a specific length of time. This protects your login and your accounts.

What You Can Do:

  • Use complex passwords, that contain special characters (*, !, #, @, &, %, in addition to a numbers and upper and lower case letters). Use a different password for each website.
  • Change credentials periodically.
  • Only register computers that you control.
  • Do not access online banking using a shared wireless connection or public computer.
  • Memorize user names and passwords or store them in a secure place.
  • Keep current versions of anti-virus software.
  • Run virus scans frequently and search for software updates. Automate the processes if possible.
  • Be sure to log out of bill pay and online banking completely after each session.

Unauthorized access to accounts using cards

What We Do:

  • Utilize automated activity monitoring to look for abnormal purchase and spending patterns.
  • Use cardholder name, address, expiration date and code matching tools for online purchases to reduce possibility of fraudulent use.
  • Provide 24/7 reporting service for lost and stolen cards.
  • Work with card companies and local law enforcement to recover unauthorized purchases.

What You Can Do:

  • If unauthorized transactions appear, report them right away.
  • Notify your bank and credit/debit card companies when you plan to go on a trip or vacation that will take you to unfamiliar territory.
  • Do not store cards and PIN's together.
  • Sign the back of all cards.
  • Keep cards in sight during a transaction.
  • Inspect ATM's for attachments; report suspicious people nearby.
  • Keep receipts and check statements frequently.
  • Do not use public computers or shared wireless internet connections to access online banking or make online purchases.
  • Report unauthorized purchases immediately.

Account Activity that goes unnoticed - Check all activity

What We Do:

  • eStatements are received faster than mailed paper statements. Online banking is a great tool for frequent monitoring of account activity.

What You Can Do:

  • Take advantage of the speed and efficiency of online banking and eStatements – sign up today!
  • Exercise your right to a free credit report annually. Review it carefully and question anything you do not recognize. Request corrections where necessary and follow up to ensure the corrections are made in a timely manner.
  • Check your credit scores regularly and consider subscribing to an online credit monitoring and/or identity theft prevention service.

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