Security and Browser Requirements

Security Issues

To help maintain security, you should close your browser when you have completed your Internet banking session. This will help prevent unauthorized persons from viewing your private account information.

Never share your password with another person. Keep your password secret.

Browser Requirements

To help ensure security and proper functionality, you must use a browser that meets or exceeds the following requirements:

  • 128 bit encryption
  • You must have Cookies and JavaScript enabled
  • We recommend you use the latest, patched version of any modern browser such as: Google Chrome, Apple Safari, Mozilla Firefox, Opera or Microsoft Internet Explorer.
  • We also highly recommend that you have a personal firewall, virus and spyware protection that is up-to-date with all security patches and that the operating system is also up-to-date with all security patches.


At Malaga Bank, the security of customer information is a priority. We are strongly committed to the safety and confidentiality of your records. Every day, unscrupulous individuals are busy developing new scams targeting the unsuspecting public. One of the best ways to avoid fraud is to become an educated consumer.

  • Watch out for copycat Web sites that deliberately use a name or Web address very similar to, but not the same as the real one. The intent is to lure you into clicking through to their Web site and giving out your personal information, such as a bank account number, credit card number or Online Banking login information.
  • Always use your pre-established links to access Web sites and avoid clicking on links in unsolicited e-mails. If you ever receive a suspicious e-mail representing itself as Malaga Bank, please forward the message in its entirety to
  • Ensure that your own personal computer has updated anti-virus and firewall protections. Apply security patches for all of your programs and operating systems regularly.
  • Passwords should be unique to you and changed regularly. Do not use birthdays or other numbers or words that may be easy for others to guess. Never write down your password or give it to another person.
  • Monitor your account activity frequently using our free Online and Mobile Banking services.
  • Sign up for free Online Banking eStatements to avoid having your paper statement sitting in an unsecure mailbox where it could be compromised.
  • Set up free Security and Balance Alerts through Online Banking to be notified via e-mail when there is transaction activity or changes in your expected balance.
  • Set up a personalized Phishing Phrase for your Online Banking so that you always know when you are on our secure Web site.

Please keep in mind that we will never ask for or email you requesting your online banking password. We may on occasion call to verify other information regarding your online activity should we see something of concern in your login patterns.If you plan to travel and use your Online Banking or Debit Card, it is very helpful to call us in advance to avoid your account being temporarily disabled for security purposes.


In Case of Errors or Questions About Your Electronic Transfers Telephone us at 310-375-9000 or Write us at 2514 Via Tejon, Palos Verdes Estates, CA 90274 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

  1. Tell us your name and account number (if any).
  2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
  3. Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For point-of-sale errors involving unauthorized use of a Visa Debit Card we will credit your account within five (5) business days while we investigate your complaint or question if your account is not new.

For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error.

We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation.

You may ask for copies of the documents that we used in our investigation.

For personal accounts, limitations on your liability for unauthorized electronic funds transfers and other electronic errors that are covered by Regulation E are explained in the EFT Disclosure and in our Terms and Conditions Agreement. However, if you use online services for any business activity, you assume all risk of loss for unauthorized transfers and payments, and you must establish your own internal security procedures for employees you authorize to prevent all unauthorized use by other employees or persons.

If at any time you have questions regarding security or possible fraud, please contact us at 310-375-9000 or via e-mail at


In order to combat the increasingly savvy perpetrators of card fraud, our ATM and Debit cards now have around-the-clock protection with 24/7 FraudWatch® PLUS. FraudWatch® PLUS provides industry leading technology, tools and expertise to manage fraud. Experienced fraud analysts work around the clock, watching for any suspicious card activity and will contact you between the hours of 8 a.m. and 9 p.m., if they detect potential fraud on your card. So, if you receive a call from “Fraud Prevention Services,” please know that they are doing their job to prevent the potentially fraudulent use of your card.

The Fraud Protection Services analyst will never ask you for your full Social Security Number or your 4-digit PIN. To help identify you, the analyst will ask you for:

  • the last 8-digits of your card number
  • the last 4-digits of Social Security Number
  • your date of birth
  • your mother’s maiden name

They will then ask you to verify recent activity to determine if your card has been used fraudulently. Fraud is a serious business, and can hit any time of the day or night. That is why we are working to detect and prevent fraud from happening to you.