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Privacy and Security

At MidWestOne Bank, our priority is to provide you with a safe and secure environment to conveniently manage your accounts online. However, in order to ensure the integrity of this communication channel, we must work together. 

Cybercriminals are constantly working to develop new ways to steal confidential information and to conduct fraudulent transactions over the internet.  We strive to provide an appropriate level of security that protects your account information while maintaining a user friendly experience. To learn more about the security controls we have in place, please visit our Online Learning Center

Although MidWestOne Bank takes precautions to protect your online account, you must also have the appropriate security practices in place in order to ensure your information remains safe:

If you have received login information for the OCM Security Center, please click here to access it. 

Liability for unauthorized electronic transactions

MidWestOne Bank adheres to the rules set forth by the Consumer Financial Protection Bureau under Regulation E. The extent of liability coverage for consumer account holders is dependent upon when unauthorized activity is reported to us.  For more information regarding the liability for your type of account, please contact us.

In addition, the websites listed below provide useful information regarding cyber security. We highly recommend that you visit these sites frequently to stay aware of new threats.  Please also visit our Fraud Alerts page for information regarding how to prevent fraud and current fraud trends.


This website provides visitors with useful tips to help you safeguard against online threats.  It’s managed by the Federal Trade Commission and contains information concerning a variety of risks currently facing internet users.

Stay Safe Online

This website was developed by the National Cyber Security Alliance. Its purpose is to empower internet users by educating them regarding online security for both individuals and businesses.

United States Computer Emergency Readiness Team

The United States Computer Emergency Readiness Team (US-CERT) is a division of the US Department of Homeland Security. Their website provides updated information concerning known vulnerabilities in commonly used computer programs. 

Internet Crime Complaint Center

The Internet Crime Complaint Center (IC3) is an organization formed jointly between the FBI and the National White Collar Crime Center. Their website serves as a collection center for complaints regarding online fraud. If you do experience electronic fraud, be sure to submit a report through this website.

Anti-Phishing Working Group

The goal of the Anti-Phishing Working Group (APWG) is to educate and protect citizens against phishing threats of all forms. 

NACHA Corporate Account Takeover Resource Center

The National Automated Clearinghouse (ACH) Association's webpage dedicated to educating businesses about Corporate Account Takeover attacks.