Online Security

Meridian Bank is committed to safeguarding information relating to customers and visitors to our Online Banking system.

Please refer to the Meridian Bank Privacy Policy for a detailed explanation of our collection, use, retention and security of information. You can learn more about the security specific to your Online experience with Meridian Bank below.

Our Web server may place a “cookie,” which is a small file, on your hard drive. These are used to enhance your online experience, to facilitate your use of our Web site and to collect site‑visit statistics. If you register for certain personalized services or choose to save personal information on our Web site, Meridian Bank may store this information in an encrypted cookie. If you are uncomfortable with our use of cookie technology, you can set your browser to refuse cookies, although this may disable certain Online functionality and convenience.

Meridian Bank may store the information collected during your Online visit in an electronic database. Security measures are in place to prevent the loss or misuse of such of data.

For your information and convenience, Meridian Bank provides links from our Web site to third party sites. You should always review the privacy policy of these Web sites before you provide personal or confidential information.

Meridian Bank does not knowingly collect information on, nor market to children.

  • Don’t use obvious words or numbers or those based on easily accessible information for your Online Banking ID or Password.
  • Ensure that no one is watching when entering your Online Banking ID and Password.
  • Memorize your password! Even the best password is worthless if it’s written on a Post-It attached to your computer or is noted in your checkbook. If you must record your Online Banking ID and Password, keep them in a safe, secure location.
  • Do not share your Online Banking ID or Password with anyone. If you think your password has been compromised, immediately change it online and contact the Bank right away.
  • Never give account information to anyone over the telephone unless you’ve initiated the call and you are 100% sure who you’re talking to. We do not solicit information (SSN, account numbers, credit card numbers, passwords, etc.) by means of email. If you receive an email requesting confidential information from someone claiming to represent the bank, do not respond to the email. Call Meridian Bank immediately to report any such activities.
  • Change your password often. (We recommend changing your password at least once each month.)
  • Review your account information daily. Report any unusual activity to Meridian Bank immediately.
  • Never leave your computer unattended during an Online Banking session.
  • Once you have finished conducting your banking on the Internet, always sign off before visiting other Internet sites. Always click ‘Log Out’ to end your session.
  • Avoid using public Internet access terminals, such as those in hotels, airports, libraries or Internet cafes, when conducting your Internet banking.

Meridian Online Banking uses advanced security procedures and technology. All sensitive information is encrypted and online access requires a Personal ID and a Password known only to you. Do not share your Password with anyone!

When you Log In to Meridian’s Online Banking, your User ID and Password are sent over the Internet from your computer to our system using Secure Socket Layer (SSL) technology. SSL encrypts your personal information before it leaves your computer, ensuring that no one else can read it. You can check that your Log In and your Online Banking session are secure in two ways:

  • Look for the small padlock icon located in the lower right corner of your web browser window or in the address line. A closed, or locked padlock indicates a secure connection.
  • Look for the letters “https://” at the beginning of the Web site address or URL in your Web browser. The “s” means secure.

It is very important that only you know your User ID and Password. This is the only way your account may be accessed. Three (3) unsuccessful attempts will lock out the User from Online Access to an account, requiring a call to the bank. During your Online session, after a ten-minute period of inactivity, the system will prompt you to stay connected. No response to this prompt will result in your being logged off and require you to re-enter your User ID and Password.

Today, a network of cunning, organized criminals are engaging in cyber crime, netting billions from unsuspecting businesses. The threats are global in nature, very sophisticated and often difficult to prosecute. The term is “Corporate Account Takeover” and as a business owner you should be very aware of your company’s vulnerabilities and take the necessary steps to mitigate this threat.

What is Corporate Account Takeover (CAT)?

Corporate account takeover is the business equivalent of personal identity theft. Small to midsized businesses are the main target of such attacks, however any business can fall victim to these crimes. Corporate account takeover occurs when criminal entities obtain online banking credentials through a variety of tactics in order to drain accounts via ACH or wire transfers. Some common ways that a business’ system may be compromised are:

  • Clicking on a link in an email that leads to an infected website
  • Visiting legitimate websites, such as social engineering websites, that contain infected documents, videos or photos
  • Using a flash drive that was infected by another computer
  • Opening an infected email attachment

Sound Business Practices

It is important that business owners take steps to protect sensitive financial information and educate all users about cybercrimes. In an attempt mitigate these threats the following business practices are advised:

  • Use appropriate tools to prevent and deter unauthorized access to your network including firewalls, anti-malware and encryption of laptops, hard drives, VPNs or other communication channels.
  • Install robust anti-virus and security software for all computer workstations and implement multilayered security technology.
  • Apply operating system and application updates regularly (patches).
  • Disallow workstations used for online banking to be used for general web browsing and social networking.
  • Disallow the conduct of online banking activities from free Wi-Fi hotspots such as airports or internet cafes.
  • Educate all employees to think critically about all phone calls and emails received. If an email is suspicious, do not click on the link or open the attachment. Even an email that seems to come from a trusted source can be fraudulent. Watch for suspicious grammar and text that may signal a phishing email.
  • Establish users for each employee and limit administrative rights.
  • Maintain up-to-date contact information with the Bank.
  • Stay informed about cybercrimes. Threats change rapidly and it is important to be aware of current trends in order to ensure your security practices are current.
  • Reconcile accounts daily and contact Meridian Bank immediately to report any suspicious activity.

Financial Institution Security Controls

Business customers should take full advantage of options offered by Meridian Bank in order to reduce the risk of fraud. The following controls are recommended for customers who use the ACH or Wire modules through Meridian’s online banking service, NetTeller:

  • Security Tokens
  • Dual Control
  • User Limits
  • Email Alerts
  • IP Restriction
  • Online Access Time Restriction

Contact a Meridian Bank Representative at 866.327.9199 to discuss these free security options.