Maine Community Bank uses a combination of technology, monitoring, and security controls to help protect your information and online banking activity.

• • Secure, encrypted transactions: Online Banking transactions, including transfers and bill payments, are conducted in a secure, encrypted environment to help protect your privacy.
  • Multi-factor authentication: We use multiple layers of authentication to verify your identity and help prevent unauthorized access to your accounts.
  • Fraud monitoring and detection: Our systems monitor account activity to help identify suspicious or unusual transactions.
  • Continuous security oversight: We regularly review and update our security practices to address emerging threats and maintain a safe banking environment.

Taking a few simple precautions can help reduce the risk of fraud and protect your personal and financial information.

Never share sensitive information

• Do not provide personal or account information in response to unsolicited emails, texts, phone calls, or pop-up messages—even if they appear legitimate.
• Maine Community Bank will never ask for your username, password, one-time passcodes, or full account numbers via email or text.

Use strong passwords and secure access

• Create unique, hard-to-guess passwords using a mix of upper- and lowercase letters, numbers, and symbols.
• Avoid using easily identifiable information such as birthdays or names.
• Change your passwords periodically and do not reuse them across multiple sites.

Be alert to suspicious messages and activity

• Be cautious of emails or messages that create urgency or threaten account closure.
• Do not click links or open attachments from unknown or suspicious sources.
• Monitor your accounts regularly and review transactions carefully.

Protect your personal information offline

• Shred financial or personal documents before discarding them.
• Safeguard your Social Security number and share it only when absolutely necessary.
• Limit the amount of personal information sent through the mail whenever possible.

Reduce risk with digital banking tools

• Use online and mobile banking to monitor balances and account activity.
• Enroll in paperless statements and online bill pay to reduce mailed documents.
• Always use secure websites when submitting personal or financial information.

Maine Community Bank uses layered security measures to help protect your accounts when you access Online and Mobile Banking.

Multi-factor authentication

We use multiple steps to verify your identity when you log in or attempt certain transactions. These safeguards help prevent unauthorized access even if your login credentials are compromised.

• You may be asked to answer security questions or complete additional verification steps if a login attempt appears unusual.
• Only register personal computers and mobile devices that you use regularly and do not share with others.

Secure connections

• Always access Online Banking through our official website or mobile app.
• Avoid logging in over public or unsecured Wi-Fi networks.

Account monitoring and alerts

Regularly reviewing your account activity is one of the best ways to detect potential fraud early.

• Monitor balances and transactions frequently.
• Set up account alerts when available to stay informed of account activity.

Maine Community Bank uses a combination of industry-standard security technologies and practices to help protect customer information and online banking activity.

These safeguards are intended to protect customer information in accordance with applicable laws and regulatory requirements. Maine Community Bank regularly reviews its security controls to support a safe banking environment.

Federal law provides protections for consumers against unauthorized electronic transactions, provided certain responsibilities are met.

What is considered an electronic payment

Electronic payments may include:

• Debit card transactions
• ATM withdrawals
• Online and mobile banking transfers
• Electronic checks
• Automated Clearing House (ACH) transactions

Your responsibility

To help protect your account and take advantage of available protections, you should:

• Review your account activity and statements regularly.
• Notify Maine Community Bank immediately if you notice suspicious or unauthorized transactions.
• Contact us promptly if your debit card, account information, or any device used to access your account is lost or compromised.

Why timely reporting matters

Reporting suspected fraud as soon as possible helps us:

• Investigate and address unauthorized activity
• Reduce potential losses
• Apply applicable consumer protections

Fraud and identity theft occur when someone uses your personal or financial information without your permission for unlawful purposes.

Common types of fraud

Fraud may involve attempts to access your accounts or obtain sensitive information through deceptive means, including:

• Phishing emails, texts, or phone calls posing as legitimate organizations
• Fake websites or pop-up messages requesting personal information
• Unauthorized debit card, ATM, or electronic payment activity

Maine Community Bank will never ask you to provide your username, password, or one-time passcodes through unsolicited communications.

What is identity theft

Identity theft occurs when someone uses your personally identifying information—such as your name, Social Security number, or account information—to commit fraud or other crimes.

This may include:

• Opening new accounts in your name
• Making unauthorized purchases
• Filing fraudulent tax or benefit claims

How to reduce your risk

You can help protect yourself by:

• Safeguarding personal and financial information
• Being cautious with unsolicited communications
• Monitoring accounts and credit reports regularly

If you believe your account information or personal data may be compromised, taking quick action can help limit potential losses.

Step 1: Contact Maine Community Bank immediately
If you notice suspicious or unauthorized activity, contact us as soon as possible so we can review your account and take appropriate steps.

Maine Community Bank
207-839-4796
Monday–Friday, 7:30am–5:00pm, Saturday 7:30am–12:00pm
After hours, please call and follow the fraud reporting instructions.

Step 2: Report electronic payment issues
For concerns related to debit card transactions, ACH activity, or other electronic payments, you may also contact:

Chargeback Services
   
833-995-2888

Step 3: Notify other affected parties
If your information has been compromised, consider contacting:

• Credit card companies or lenders
• Service providers linked to your account
• Credit reporting agencies, if appropriate

Step 4: File a police report when necessary
In cases of identity theft or significant financial loss, filing a report with your local police department may be recommended. Request a copy for your records.

Step 5: Follow up and monitor your accounts
Continue to review your accounts and statements closely. Notify us immediately if you notice any additional suspicious activity.

The following organizations provide information and assistance related to fraud prevention, identity theft, and consumer protection.

Credit reporting agencies
If you believe your identity has been compromised, you may contact the credit bureaus listed below to report fraud or place a fraud alert.

• Equifax
800-525-6285
• Experian
888-397-3742
• TransUnion
800-680-7289

Social Security Administration
For concerns related to Social Security fraud or benefits.

• Report fraud: 800-269-0271
• Benefits information: 800-772-1213

Federal Trade Commission
The Federal Trade Commission (FTC) offers guidance on identity theft prevention and recovery.

• Report identity theft: 877-438-4338
• Identity theft resources available through the FTC website

Online security resources
Additional information on online safety and fraud prevention:

• FDIC Consumer News
• OnGuardOnline.gov
• StaySafeOnline.org
• ABA Fraudcast: Cyber & Fraud with Paul Benda