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Protect Your Identify and Stay Safe Online

At Marine Bank, our top priority is the security of your account and personal information. For that reason, we have complied a list of best practices you can use to protect your identify and stay safe online.


Jump To:
Passwords Computers Mobile Devices     Especially For Businesses
Internet Banking Email Debit Cards
Checks and Documents     Credit Report       Resources


  • Create unique, impossible-to-guess passwords for each system you access.
  • Use a combination of upper & lowercase letters, numbers, and symbols.
  • Store your User IDs and Passwords in a safe location and do not share them with anyone. Do not store them under your keyboard or written in plain sight.
  • Change passwords at least once per year.


  • Keep your computer’s operating system, whether Windows or Mac, up-to-date. Make sure updates are set to Automatic.
  • Require a password to login to your computer.
  • Install a reputable anti-virus & firewall software on all computers. These should also be set to run and update automatically.
  • Login to email, social networking, and banking sites directly from the provider’s website. Do not click links within an email to get to a login page.
  • Do not use public computers (library, airport, hotel, etc…) to access your bank or credit card accounts online.
  • Before entering a password, make sure the browser session is encrypted. Look for either the browser padlock (in the shape of a closed lock) or the web site address to begin with HTTPS.
  • Do not click pop up messages that claim your computer is infected with a virus and can be resolved by purchasing additional software. This is usually a scam. Contact a trusted computer repair facility immediately.

Mobile Devices

  • Require a PIN or password to access the device.
  • Configure the device to automatically wipe all data if too many wrong PIN/password tries are attempted (such as 10 attempts).
  • Keep the mobile operating system up-to-date, just like on a computer.
  • If you get rid of the device, perform a factory reset or full wipe of all the data.
  • Choose security questions & answers that are not well known about you. Or, you can even make up the answers.
  • Click the Log Off button when you are finished on any secure site, instead of just closing the browser.
  • Do not respond to a Forgot My Password email unless you just requested a new one. At this point in time, Marine Bank does not offer password resets via email and therefore will not send you such an email

Internet Banking

  • Check your accounts daily using our internet & telephone banking products.
  • Setup account alerts through our internet banking product. We recommend Daily Balance and All Transactions alerts.
  • Report any suspicious or fraudulent transaction to the bank immediately. With fraud, time is of utmost importance.
  • Do not use your account number as your Access ID. If it already is, contact us and we will gladly assist you in changing it.
  • Make your password impossible to guess. Use a combination of upper & lowercase letters, number, and symbols.
  • Choose security questions & answers that are not well known about you. Or, you can even make up the answers.
  • Click the Log Off button when you are finished on any secure site, instead of just closing the browser.
  • Do not respond to a Forgot My Password email unless you just requested a new one. At this point in time, Marine Bank does not offer password resets via email and therefore will not send you such an email.


  • Marine Bank will never ask you to provide sensitive information, such as your SSN or password, via email. If you receive such an email, or have already responded to one, please notify us immediately.
  • Use caution when opening attachments or clicking links within emails. Ask yourself:
    Do I know & trust who sent this email?
    Am I expecting it?
    Does it make sense?
    Are there misspellings, poor grammar, or is it strangely worded?
  • Never respond to an email asking to confirm your personal information or warning you of a closed account, lottery winnings, lost package, or family member stranded on vacation.
  • When in doubt of an email’s authenticity, call the sender to verify.

Debit Cards

  • Reduce the possibility of fraud on your debit card by not using it online. Instead, use a credit card which doesn’t contain your hard-earned money.
  • If you are a business, use a credit card instead of a debit card. Business credit cards offer much more fraud protection due to government regulations.
  • To use a Marine Bank debit card internationally, the PIN option must be used (instead of signature).  Contact the bank if you plan to travel abroad.
  • Report a lost or stolen debit card or suspicious charges immediately. For personal accounts, you are liable for only the first $50 of unauthorized transactions as long as you report them within 2 business days. If you do not report them within 60 days, you are liable for up to $500.
  • Be aware of where your card is swiped. Don’t let it out of your sight.
  • When using an ATM machine or gas pump, if it looks tampered with do not use your card.

Especially for Businesses

Perform an assessment of the risks posed to your account including:

  • Password usage and storage
  • Types and amounts of transactions you perform
  • Possibility of internal fraud
  • Lack of dual control or separation of duties
  • Removal of terminated employee access
  • Network attack or breach

These tools may assist in your security control:

  • Use hardware firewalls to protect your business network. One device can protect the network from attacks, intrusions, viruses, etc...
  • Keep computers maintained with automatic updates and reputable anti-virus/firewall software. Make sure all are updated automatically.
  • If you offer wireless internet, make use of passwords and business-grade encryption.
  • Using password vault software to safely store passwords
  • Conduct employee background checks
  • Follow a procedure after an employee has been terminated
  • Setup dual control & separation of duties, especially when dealing with online accounts
  • Perform internal audits of your security controls
  • Train employees on security issues at hiring and conduct refresher training anually for all employees.

If you use a token to generate ACH files:

  • Do not allow other employees to use your token.  The Bank will supply a token for each authorized ACH user. 
  • Do not write your PIN on the token or anywhere else that is easily found. 
  • During the login process, if the 4-digit Site Check code on the screen doesn't match what is displayed on your token close your browser and retry.  If it still does not match, do not proceed with login, and contact the bank immediately. 
  • Store your ACH files in a computer folder that allows access to only authoirzed ACH users.
  • Dual control provides an additional level of security with ACH files.  If you do not currently have dual control setup, contact the Bank and we will gladly assist you.

The National Institute of Standands and Technology (a division of the U.S. Department of Commerce) has created a document titled "Small Business Information Security: The Fundamentals". We encourage you to read this as it contains valuable information on tips to secure your business network. You may view it here. (Adobe Reader required)

Credit Report

Review your credit report for accuracy at least annually. The Federal Trade Commission allows you to request a free report from each bureau annually. You many obtain a free copy at www.annualcreditreport.com .

If you believe you have been the victim of identity theft:

  • Contact the three credit bureaus (see Resources section below)
  • Close any accounts that may have been compromised.
  • File a police report with local authorities.
  • Report the theft to the Federal Trade Commission at www.ftc.gov/idtheft or 877-438-4338.

Checks and Documents

  • Store financial and other sensitive documents in a secure locations, such as safe deposit box.  Shred before throwing any away. 
  • Throw away any offer that asks you to pay for a prize or gift.  Never provide your bank account information to such offers. 
  • Avoid foreign lottery, check overpayment, or secret shopper scams.  These are forms of fraud and could leave you oweing money. 


You may place a security alert on your credit bureau file. This alert will flag your file for additional scrutiny at all credit reporting agencies. This service, which is free of charge, provides a significant layer of protection but you must contact the credit bureaus directly to request this alert. By law, we cannot make this request on your behalf. If you choose to put a security alert on your file with one agency, that agency will notify the other agencies; however, the notification is timelier if you contact all three agencies. You may place or remove the security alert at any time by calling one of the following agencies:

P.O. Box 9556
Allen, TX 75013
(888) 397-3742
Equifax Credit Information Services, Inc.
P.O. Box 740256
Atlanta, GA 30374
(800) 685-1111
TransUnion Credit Bureau
P.O. Box 6790
Fullerton, CA 92834
(800) 680-7289


OnGuardOnline.gov is the federal government's website to help you be safe, secure, and responsible online.

Government resources on identify theft

Resources from the FDIC on how to protect yourself from identify theft and fraud.

Federal Trade Commission information on identify theft.

www.FTC.gov or www.usps.com
Information on mail fraud


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Help protect your business from counterfeit bills with this information from the United States Secret Service.




The My Money Program, created by the Florida Department of Financial Services is a comprehensive and inclusive financial literacy program and resource clearinghouse for individuals with developmental disabilities, their family and caregivers. 

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