Out-of-Wallet Authentication Removal

We are doing so because the questions are derived from publically available personal information. Because of this, there is a higher likelihood that a cyberthief could obtain this information and then try to take-over your online banking profile by re-setting your password and then gaining access.

We want to ensure your personal banking information is secure from such possibilities.

This change is a proactive decision on the part of the Bank to increase online security in order to help prevent such events from occurring.

For your security, we will rely on telephone codes for authenticating. You will have the option to:

• Receive a phone call to your phone number of record whereby you will be asked to say or punch in the code that is shown on the online banking screen.
• Receive a text message containing a code that you will then need to enter in to the online banking screen to continue.

This is known as ‘out-of-band authentication’ and it relies on “something you have” (your phone), rather than “something you know” (like the answers to the security questions).

River City Bank does not charge for this feature. However, your telephone provider may impose a fee, please reach out to them for more details regarding the fees for your plan.

Unfortunately, you will not be able to log-in until you can confirm via a passcode. We suggest that you provide us with additional phone numbers (such as a work or home land-lines) so that we can put them on file for you. This way you can proceed by receiving a phone call to one of these numbers on file.

This prompt appears under certain circumstances such as attempting to log-in from a new computer or device; logging in after your computer’s history and cookies have been cleared; or attempting to self-reset your password.