Online Security: How We Protect You & FAQs

At Farmers & Merchants State Bank, we understand that the security of your personal and financial information is of the utmost importance. That's why we're dedicated to providing you with a safe and secure online banking experience. So, let’s outline the measures we take to protect you and answer some frequently asked questions about online security.

How We Protect You

Advanced Encryption Technology

We use state-of-the-art encryption technology to protect your data during transmission. This ensures that your information is secure from unauthorized access.

Secure Sign On 

Our secure login procedures require a unique user ID and password. We also employ multi-factor authentication to add an extra layer of security.

Regular Monitoring and Alerts 

We continuously monitor your accounts for any suspicious activity. If we detect anything unusual, we will notify you immediately to verify the transactions.

Firewalls and Anti-Virus Protection

Our systems are protected by robust firewalls and anti-virus software to prevent unauthorized access and protect against malware.

Automatic Session Timeouts

To protect your account from unauthorized access, our system automatically logs you out after a period of inactivity.

Secure Communication Channels

We use secure communication channels for all online transactions. Look for the lock icon in your browser’s address bar to ensure you are on a secure site.

Frequently Asked Questions

What Is Secure Sign On?

Secure Sign On is a service that helps protect you from fraudulent online activity. It provides you with visual cues when you sign on, so you know that you’re on our website, and it’s safe to enter information. Secure Sign On also helps us ensure that only authorized individuals can access financial information online.

How Do I Set Up Secure Sign On?

By completing two easy steps:

1. Set up confirmation questions that help us ensure that only authorized individuals are accessing your account information.
2. Then, decide whether to register this personal computer as an authorized location from which to access your account information.

What Happens If I Cancel Secure Sign On During Set Up?

The information you enter in the setup process is not saved until you complete the final confirmation step and click “Submit.” If you exit the process before this final step, you will lose the information you have set up and will need to start the process again.

Do I Have to Change Any Internet Browser Settings for Secure Sign On to Work?

To register your computer as an authorized location for accessing your account information, your Internet Browser must be set to accept permanent cookies. Most browsers accept cookies as a default setting. If you haven't customized this setting, you'll probably not need to make any changes. If you do need to change the Internet cookie setting to accept permanent cookies, follow the instructions provided in the Internet browser's help file to complete this task. If you don’t want to make this change, you’ll be able to sign on using the confirmation questions for validation.

What Is Phishing, and How Can I Avoid It?

Phishing is a type of scam that involves criminals sending fake emails or messages to trick you into revealing sensitive information. To avoid phishing, never respond to emails or messages that ask for your personal or financial information, and always verify the authenticity of the sender.

How Do I Know If a website Is Secure?

A secure website will have "https" in the URL and a lock icon in the address bar. This indicates that the site is using encryption to protect your data.

What Should I Do If I Suspect My Account Has Been Compromised?

If you suspect your account has been compromised, contact us immediately. We'll work with you to secure your account and prevent any further unauthorized activity.

How Often Should I Change My Password?

We recommend changing your password every 60-90 days to ensure maximum security.

Are Mobile Banking Apps Secure?

Yes, our mobile banking app uses the same encryption and security measures as our online banking platform. However, it's still important to use a secure password and keep your device's operating system and app up to date.

What Is Two-Factor Authentication, and How Does It Work?

Two-factor authentication, also called multi-factor authentication, is an additional layer of security that requires you to provide a second form of verification. This usually involves sending a code to your phone or a biometric scan, in addition to entering your password. Adding two-factor authentication makes it much harder for hackers to gain access to your accounts.

How Do I Know If My Computer or Device Is Infected With Malware?

If your computer or device is infected with malware, you may notice strange behavior, such as pop-ups, slow performance, or unexpected crashes. Run regular virus scans and keep your operating system and software up to date to prevent malware infections.

Can I Use Public Computers or Public Wi-Fi to Access My Online Banking Account?

We strongly advise against using public computers or public Wi-Fi to access your online banking account, as these networks may not be secure. Instead, use a secure, private network or a mobile hotspot.

How Do I Report a Suspicious Email or Message?

If you receive a suspicious email or message that appears to be from Farmers & Merchants State Bank, please forward it to our security team at security@fmandmstbk.com. We'll investigate and take appropriate action.

What Is a Secure Password, and How Can I Create One?

A secure password is a unique, complex password that is difficult to guess. To create a secure password, use a combination of uppercase and lowercase letters, numbers, and special characters, and avoid using easily guessable information such as your name or birthdate.

How Do I Keep My Online Banking Account Information Up to Date?

To keep your online banking account information up to date, log in to your account regularly and review your account settings, including your password, security questions, and contact information. Make sure to update your information promptly if it changes.

Stay Safe Online

Remember, protecting your security is a shared responsibility. By following best practices, such as using strong passwords, keeping your software up to date, and being cautious when clicking on links or downloading attachments, you can help prevent fraud and stay safe online.

If you have any further questions or concerns about our security measures, please don't hesitate to contact us. We're always here to help.