Your User ID and PIN are designated to protect your banking information, but they will only work if you keep them to yourself. Change your Internet Banking PIN frequently. Don t walk away from your computer if you are in the middle of an Internet Banking session. Once you have finished your Internet Banking session, sign off before visiting other Internet sites. Internet Banking is private and secure Merrill Bank is committed to making your Internet Banking experience safe and secure.
Encryption is a way to write something in code, which can be decoded later with the right key.
When you request information about your accounts, the request is sent encrypted to Merrill Bank. We decode your request and send the requested information back to you in an encrypted format. When you receive the information, it is decoded so that you can read it. Instead, we ask you to choose a pseudo name for each of your accounts. If your PIN is entered incorrectly three consecutive times, the user is locked out of the system for 24 hours.