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Protect Your Mobile Security

Security is a fundamental part of Melrose Bank's Online and Mobile Banking. Keeping customer information private as well as securing our customers' accounts against unauthorized access is paramount.

Our mobile banking system is located within the secure environment of our online banking system. You can rest assured Mobile Banking is as safe as Online Banking. The industry has established a number of safeguards that help customer information stay secure. However, this does not mean you should let your guard down.

Melrose Bank will NEVER call, email or reach out to you by any electronic method for account or personal information. If you ever receive a request like this, do not give out your information and please notify us right away by calling (866) 665-2500 during regular business hours.

  • Mobile Banking is just as secure as our internet-based service. Anything you do while logged onto Mobile Access is encrypted by industry-standard SSL encryption preventing cell phone "scanning" or other attempts to eaves-drop.
  • Customers cannot enroll in Mobile Banking unless they are first enrolled in our Online Banking. Registration requires you to authenticate several pieces of personal and account information before you can establish a user ID or Password and access your accounts.
  • Mobile Banking only allows one registration per customer. There is no opportunity for a hacker to steal information to create a second account once you have established your security credentials within Online Banking.
  • No account data is ever stored on your mobile device.
  • Disable Mobile Banking by contacting us immediately. During regular business hours call us toll free at (866) 665-2500 and after hours 1-866-305-3616. Once you have a new phone or mobile device, simply re-install Mobile Banking app.
  • Contact your service provider to report stolen/lost phone and have them immediately stop your wireless service.
  • Monitor your accounts closely and notify us immediately if you believe that unauthorized transactions have occurred.

Helpful Tips for Maintaining your Mobile Banking Security

  • Do not leave your mobile phone unattended during an open mobile banking session. Ensure you sign off after your session is complete. Do not just close the browser or app.
  • Protect your phone like you would your computer. Limit unauthorized access to your cell phone and secure your phone with a strong passcode. Do not set your devices to remember passcodes.
  • Install anti-virus programs on your smartphone. Keep security software current. Having the latest mobile security software, web browser, and operating system are the best defenses against viruses, malware and other online threats.
  • Be wary of opening attachments until you can verify the authenticity of the source; the attachment could be a virus or other unwanted problem.
  • Only download apps from trusted and approved app stores endorsed by the particular technology provider and service center. Do not install pirated software or software from unknown sources. Be aware of the potential for fraudulent mobile banking apps.
  • Protect your User ID and Password. Don't save it or other confidential information anywhere on your mobile device.
  • When using Text Banking only trust messages from Melrose Bank short code.
  • If you did not register your device for Text Banking do not trust messages sent to the device.
  • Remember to delete text message conversations with Melrose Bank short codes.
  • Remember Melrose Bank will never ask for any sensitive information in a text message. If you receive a request like this, do not reply and report it to us immediately.
  • Utilize remote wipe apps such as Find My Phone, Where's my Droid and Lookout Security apps. Apps like these can help you find your lost device or wipe your devoice of any information remotely.
  • Stay current. Keep pace with the latest ways to protect your mobile security. Check trusted websites for the latest information, and share with friends, family, and colleagues and encourage them to not let their guard down.
  • Beware of Smishing, a type of text message that is sent to customers with links that download malicious software and/or Apps that can be used for exploitation. A financial institution will never ask for any sensitive information in a text message.
  • Beware of Bluesnarfing, the theft of information from a wireless device through a Bluetooth connection. Keep Bluetooth turned off by default and use only when necessary. Ensure that Bluetooth is turned off when conducting any mobile banking transactions/inquires.
  • Devices such as iPhones, Droids and Blackberry's frequently update the Operating System (OS) thereby increasing risk of applications developed under a previous OS version not working once updated. Use caution when upgrading the OS of your mobile/wireless device and ensure you understand the risk of an application not working after the upgrade. Only download apps and updates from trusted and approved sources.

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