In online and mobile banking, as with traditional banking methods, security is a primary concern. We have taken precautions to ensure your information is available only to you, and transmitted safely and securely. Various control mechanisms, including intrusion detection and anti-virus, monitor for and protect our systems from potential malicious activity. Read on for more information on how your accounts are protected.
Encryption & Browser Requirements
Metropolitan Capital online and mobile banking session traffic is encrypted to help protect your accounts. Encryption is technology that scrambles information transmitted over the internet so that it's not readable. This makes sure that hackers or other third parties can't intercept your information. If you see a padlock to the left of the web address in your address bar, this indicates that communication between your browser and the web server is encrypted. Please note that we only support browsers that adhere to our strict encryption standards. If you are having trouble accessing online banking on your laptop or computer, check your browser version or try a different browser, as we block outdated browsers that could lead to a security risk.
We encourage you to practice good cyber hygiene on all of your devices. The best protection against viruses and malware encountered online is by ensuring you keep anti-virus, security patches, browser versions and plugins up-to-date.
Online and mobile banking will "timeout" after a specified period of inactivity. This prevents curious persons from continuing your online banking session in case you have left your PC unattended without logging out. We recommend that you always sign-off (log out) when you are done with your online banking activities.
User ID & Password
It is also important to verify that only authorized persons log into online banking. This is achieved by verifying your password. When you submit your password, it is compared with the password we have stored in our secure data center. We allow you to enter your password incorrectly a limited number of times. If you enter your password incorrectly too many times, your online banking account will be locked until you call us to reinitialize the account. We monitor and record "bad-login" attempts to detect any suspicious activity (i.e., someone trying to guess your password). You play a crucial role in preventing others from logging on to your account. Never use passwords that are easy to guess. For a stronger password, use an uncommon phrase that includes a mix of letters, numbers, and special characters. The longer your password, the harder it is to crack. Examples of bad passwords are: Birth dates, first names, e-mail address, pet names, addresses, phone numbers, social security numbers, etc. Never reveal your password to another person.