Security and Fraud Prevention

At River City Bank, maintaining the safety and security of your finances is a top priority. The safeguarding of your personal information is not just important, it’s vital to our business.

We offer electronic banking services by employing the latest and most powerful industry standards and technology to protect your personal information. While the online and mobile banking channel is rapidly expanding, fraudsters are increasingly targeting customers that conduct transactions electronically. Our advanced security features within online and mobile banking will give you the peace of mind that your data and transactions are safeguarded.

In addition to following industry standard security protocols, below are other safeguards we have in place to protect you against online security breaches:

• Multi-factor Authentication – If you are using a computer or a mobile device that has not been recognized by our system before, you will be required to go through an extra validation step when signing on.
• Session Timeout – Our online and mobile system is designed to log you out automatically after several minutes of inactivity.
• Text Fraud Alert System – Our fraud system will notify you about any suspicious debit card activity.

While we do everything possible to protect your online information on our systems, there are also practical things you can do to reduce the risks associated with online and mobile banking fraud. We provided some security tips, best practices and trusted resources below.

Data Security

Many companies keep sensitive personal information about customers or employees in their files or on their network. Having a sound security plan in place to collect only what you need, keep it safe, and dispose of it securely can help protect that sensitive data. To find out more information about keeping data secure, visit the Federal Trade Commission (FTC) website.

Protect Yourself from Online Fraud

• Install a personal firewall, anti-virus protection, and anti-spyware to keep intruders out and keep it updated
• Keep your operating system updated with the latest security patches.
• Use a good spam filter.
• Check site certificates.
• Be smart with your passwords. Password resources available from this link.
• Sign up for Alerts

Identity Theft

Don’t share your identity…protect it. The fastest growing crime today is identity theft. Identity theft occurs when someone steals key pieces of your personal identification such as Social Security number, bank account numbers, birth date etc. and uses it for illegal purposes. For more information about identity theft and how to protect your identity, please visit the Federal Trade Commission (FTC).

Traveling Safe

The travel season is amongst us and whether you’re touring Europe or taking a road trip, we want to help you stay on top of your finances. Our secure banking services and stringent fraud protection are designed to give you peace of mind. Read River City Bank’s travel tips and tools. For lost or stolen ATM/VISA Debit Cards, please call (916) 567-2899 or (800) 564-7144.

Scams

Phishing, vishing, and smishing all involve spoofed communication that appears to be from a legitimate business urging you to “act immediately” or your account might be closed.

Phishing

Phishing is a type of social engineering attack often used to steal personal identity data, financial account credentials or any other valuable data.

Read more about phishing.

Smishing

Smishing is very much like phishing where a scam is sent via text messages on mobile devices instead of emails. These scams try to trick users with messages that appear to be legitimate alerts from River City Bank.

Get the details on smishing.

Vishing

Vishing is the telephone version of phishing, or a voice scam, designed to trick victims into sharing personal information, such as PIN numbers, social security numbers, credit card security codes, passwords and other personal data.

Learn more about vishing.

Risks of Jailbreaking and Rooting Mobile Devices

Attackers love jailbroken and rooted phones.  Jailbroken/rooted phones put your data at risk along with your personal information.  Many mobile users are attracted to jailbreaking or rooting their device in order to gain more control over the device, upgrade their operating systems or install apps normally unavailable through standard channels. While having these options may allow the user to utilize the device more effectively, many users do not understand that jailbreaking/rooting can potentially allow malware to bypass many of the device’s built-in security features. If a vulnerable app is installed on a jailbroken/rooted phone, attackers can easily exploit them and potentially gain all the information on the phone. It’s your decision on whether the potential risks are worth the perceived benefits of jailbreaking/rooting, but it is not recommended.

Check your credit report at the three national credit bureaus

Equifax

www.equifax.com
Place a fraud alert:  1-888-766-0008
Order a credit report:  1-800-685-1111

Experian

www.experian.com
Place a fraud alert:   1-888-397-3742
Order a credit report:  1-888-397-3742

TransUnion

www.transunion.com
Place a fraud alert: 1-800-680-7289
Order a credit report: 1-800-888-4213

More Ways to Protect Yourself

• Keep your Social Security number as private as possible.
• Know when your bills arrive each month and watch for unfamiliar transactions: be wary if they don’t arrive.
• Don’t leave behind receipts that have credit or debit card numbers at ATMs, stores or gas pumps.
• Avoid placing credit card or personal information on a website unless you know that it is secure.

Security News

• Protecting Your “Cyber Home” with a Solid Foundation (FDIC)
• Using Social Networking Sites: Be Careful What You Share (FDIC)
• Going Mobile: How to be Safer When Using a Smartphone or Tablet (FDIC)
• Beware of Phishing Scams: Don’t Take the Bait (FDIC)
• OCC Alert: Fictitious Correspondence (OCC)