Protecting Yourself Online

Mountain America strives to provide the best available security for your digital banking experience.

Helping You Keep Your Data Secure

Mountain America strives to provide the best available security for your digital banking experience. We constantly work to maintain strong levels of protection, proactively monitor for new threats and adjust our systems to mitigate those threats. Our fraud prevention steps include:
  • Layered Security

    Mountain America uses multiple layers of defense to protect our members’ information. This may include asking security questions when members make online or mobile transfers. These questions are based on your credit profile and are intended to verify your identity. For example, you may be asked about a previous loan or address. Once you answer the questions, you can continue with the funds transfer as usual.
  • Courtesy Calls

    Mountain America may call you to verify transactions on your account if the transactions appear to be outside of your normal pattern. Mountain America will not ask you for personal information but may ask you to verify information that we provide. You may also receive calls from our automated Visa® Fraud Prevention system to alert you of suspicious activity. If you need to contact us, please use the number listed on your statement, debit card or credit card.

Additional Steps You Can Take

In addition to the account security we have in place, Mountain America offers services to help you protect your digital banking accounts:
  • Alerts

    Monitor your account 24/7. With our free Alerts and Notifications service, you can create customized text and email alerts based on balances, approvals, transactions and more. Plus, you’ll receive these alerts in near-real time. You can even have them sent to multiple phone numbers and email addresses. See how.
  • Card Manager

    If you misplace your Mountain America Visa Card, you can temporarily disable or enable it using Card Manager with the mobile banking app. You also can request a new card if yours is lost or stolen. Take a look.
  • Biometric Login

    With Biometric Login, you can access your account using your fingerprint. Not only is it convenient—you don’t have to memorize numerous passwords—it’s secure too. Learn more about Biometric Login.
  • eStatements

    Paper statements can be stolen and lead to identity theft. Receive electronic versions of your Mountain America account and credit card statements through Online Branch. It will save paper and reduce clutter. Learn more.
  • Bill Pay

    Paying your bills online is safer than sending payments and personal information in the mail. Find out more.
  • Password Manager

    You should not use the same password for multiple websites. Many “hackers” that steal passwords will try to use the password to log in to other sites or they will post the password in an online forum for others to use. You can securely store all your passwords so you don’t have to remember them by installing a password manager. A master password must be chosen to gain access to the password manager. Make your master password difficult to guess and never writer it down.
  • Complex Passwords

    Avoid using birthdates, pet names, phone numbers, single words found in a standard dictionary (any language), family members’ names or anything that may be guessable with minimal research. Don’t use a password more than once. And don’t write them down. Instead, use a mixture of capital and lower-case letters, numbers and symbols, and make sure to use a minimum of 7 characters.
  • Never Share Passwords

    Multiple people on the same account at Mountain America can have individual online passwords so there is no reason to share a password. Don’t even give your password to an employee of Mountain America. We will never ask for it.

Mountain America Also Recommends

  • Keeping Your Software Updated

    Start with your Operating System (e.g., Windows or MacOS). Then update your browser (e.g., Internet Explorer, Firefox, Chrome, Safari, etc.). Finally, update any other software you use on your computer such as Microsoft Office, Java, Flash Player, Adobe Acrobat, antivirus software, etc.
  • Windows Updates

    One of the ways you can protect yourself is with Windows updates. This will ensure you get critical security update like the most recent one from Microsoft's Internet Explorer.  If you are like most people, you have automatic updates turned on, and you’ll get this new update without having to do anything.  If you haven’t turned on automatic updates yet, you should do so now.  To do so, click the Check for Updates button on the Windows Update portion of your Control Panel.
  • Using Antivirus/Antimalware software

    Choose antivirus software from a reputable publisher and keep it updated. There are many fake antivirus solutions around so make sure you research the publisher before you buy.
  • Using a Firewall

    A firewall helps protect your computer from unwanted intrusions. Most operating systems (Windows, MacOS, etc.) have a firewall included, but it may not be enabled. Check the “Help” section of your operating system for instructions on enabling and configuring the firewall. Many wireless routers used at home also have firewall functionality. Check the router documentation for details.

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