為確保您於網路交易的安全性，因此您在登入網站時，除了輸入您個人的「身分證字號(統編)」及「網路密碼」外，尚須再輸入一組「使用者代碼」。
「使用者代碼」- 為您填寫「MMAb2c華商個人金融網申請暨變更約定書」申請網銀服務後或啟用後於網銀自行設立的一組6~12位英數字夾雜之代碼，不得與「身分證字號」及「網路密碼」及使用者顯性資料(如手機號碼、電子郵件帳號、信用卡號、存款帳號等)相同，英文字大小寫視為不同且不得使用空白鍵及各種符號。亦不可輸入4碼(含)以上相同或連續數字/英文字。
「網路密碼」 - 為您自行設定的一組8 到 20 位英數字夾雜之密碼，不得與「身分證字號」及「使用者代碼」及使用者顯性資料(如手機號碼、電子郵件帳號、信用卡號、存款帳號等)相同，英文字大小寫視為不同。亦不可輸入4碼(含)以上相同或連續數字/英文字。請勿使用連續升冪或降冪文、數字、或相同的號碼作為密碼及用戶代號，例如，1234、4321、2222，ABCD、DCBA。
※持有越南帳戶者，網路密碼有效期限為12個月。

To ensure secure online transactions, you are required to enter a User Code in addition to your User ID and Online Password when logging into our website.

1.User Code:
the code you provided at the online bank after you open an account and complete an online banking application form or activate for MMAb2c membership. Such code must be 6-12 characters in length, with at least one letter and one digit, and different from your User ID or Online Password or user-obvious information including cell phone number, e-mail account number, credit card number, deposit account number, etc. Uppercase and lowercase letters are deemed different and shall not contain spaces or any symbols. Do not use 4 digits or more in repeating, ascending, or descending letters or numbers in a row.

2.Online Password:
a password created by yourself at the online bank that contains 8-20 characters with at least one letter and one digit. It must be different from your User ID or User Code or user-obvious information including cell phone number, e-mail account number, credit card number, deposit account number, etc. Uppercase and lowercase letters are deemed different and shall not contain spaces or any symbols. Do not use 4 digits or more in repeating, ascending, or descending letters or numbers in a row.