Special information: Equifax data breach
Equifax recently announced a data breach that impacted as many as 143 million U.S. consumers. If you have a credit report, there's a good chance your personal information was compromised. If you, like many others, are concerned about the breach, please see our FAQs to learn more about how to protect yourself.
Read our FAQs
As your financial partner, River Valley uses a variety of tools to protect your confidential information. Despite our best efforts, identity theft and fraud continue to be one of the fastest growing crimes in our country and one of the top customer concerns.
Click below to get more information on how to help protect yourself and your business from identity theft and fraud.
How we protect you and your information
- Username and password to confirm your identity and ensure the privacy of each mobile banking session you conduct
- Personal security question to further guard against identity theft
- Firewalls - to protect our programs from any unauthorized or malicious intrusion
- Encryption - to protect the transmission of data including customer account information and the integrity of all transactions
How you can protect yourself and your information
- Include punctuation marks and/or numbers
- Mix capital and lowercase letters
- Include similar looking substitutions, such as the number zero for the letter “O” or $ for the letter “S”
- Create a unique acronym
- Include phonetic replacements such as “Luv2laugh” for “Love to laugh”
- Include special characters such as ! @ # $ ^ &
- Never tell your password to anyone
- Never write down your password
- Never send your password via email
- Periodically change your password
What not to do:
- Don’t reuse passwords to multiple accounts
- Don’t use a password that is listed as an example of how to pick a good password
- Don’t use passwords that contain personal information
- Don’t use sequential numbers such as 1234
- Don’t use repeating letters, numbers or characters
Update your mobile devices
Mobile devices are actually small computers with software that you need to update just like on a PC or laptop. Make sure all your mobile devices (including laptops, tablets, smartphones) have the latest security protection. Check the website of your devices manufacturer or mobile carrier for the latest software updates.
Avoid public internet connections.
Public connections aren't very secure -- most places that offer a public Wi-Fi hotspot warn users not to share sensitive information over the network. If you need to access your account information, you may want to switch to another network. If you're using a mobile device, disabling the Wi-Fi and switching to a cellular network is a good solution. You never know who might be listening in over the public network.
Take extra precautions if printing sensitive information to a public printer. Most printers have computer-type components and can, at times, store images of the previous few documents printed. Also depending on the location of the printer in proximity to your device, someone could retrieve your documents before you can get to them. If you do print or submit a print job to a public printer, ensure you retrieve all of your documents before leaving.
How to stay safe when shopping online
How to stay safe when using our mobile app
Criminals may develop and publish fake mobile banking applications that look like official River Valley apps but are in truth designed to steal your Online Banking credentials. Here are tips for recognizing an unofficial River Valley app:
- The developer or author of the application is not River Valley
- The app is being promoted on a third-party site, somewhere other than the official app store for your mobile device
- There is a charge for downloading the app—River Valley does not currently charge for mobile app downloads
- Your personal ID security picture won’t show or won’t be the one you chose when you set up your online ID
To help protect your accounts and information, never download or install a River Valley app if you spot any of these warning signs.
Quick Response (QR) codes can direct your mobile device to a malicious site. If you receive a QR code via email, be cautious and follow the tips below to help you identify the email as being sent is legitimate.
- Check the sender, header and footer details carefully to help confirm it is a valid email from a sender you recognize.
- Quick Response (QR) codes that are not from a sender you know may direct your mobile device to a malicious site so proceed with caution if you receive one via email.
How to protect your device
Viruses, malware and other programs intended to steal your personal information or financial details are able to infect some mobile devices. If your tablet supports a traditional anti-virus product, consider installing that software. Backup the device's data and keep the copy in a safe and secure location. This will allow you to restore your data in the event you need to wipe the device clean in order to remove a harmful software threat. Mobile phones and tablet devices offer convenience, but they're also easy to lose or steal, which can put your information at risk. Here are some ways you can protect yourself now in the event your device is lost or stolen later:
- Keep it safe. Maintaining physical control of your device is the first way to prevent abuse.
- Use your security features. Use a passcode or PIN to help protect your device. Enable remote wipe and location features to help ensure that your personal information is protected if your device is lost or stolen.
- Enable an automatic screen-locking mechanism to lock the device when it’s not actively being used
- Consider using a remote wipe program that gives you the ability to send a command to your device that will delete any data
- Keep a record of the device’s make, model and serial number in case it’s stolen