We help keep you informed about the latest cybersecurity, identity theft and other fraud scams. Education is key to fighting fraud. Read below on ways you can protect your personal and business information.
Online Banking Guidance
Online Banking, Data Security & You
RiverBank is your partner for safe Online Banking. Please take a few minutes to read guidance from the Federal Financial Institutions Examination Council (FFIEC) regarding Online Banking security for consumers and businesses. Remember to notify us immediately if you notice any suspicious activity on your account or have concerns about Online Banking.
Falcon Fraud® Debit Card Protection
At RiverBank, protecting you is our priority. That’s why we are pleased to offer Falcon Fraud® Protection for your RiverBank debit card. Falcon analyzes your debit card transactions as they occur, detecting potential fraud quickly to minimize your risk and protect you against losses.
How Falcon Works
- Every RiverBank debit card transaction is scored for potential fraud.
- For potentially fraudulent transactions, Falcon attempts to contact you to verify if the transaction is legitimate.
- If Falcon cannot reach you, a temporary block may be placed on your card to prevent fraudulent transactions.
What You Need to Know
- Falcon may contact you via text, phone or email asking you to confirm if suspicious debit card transactions are valid or not. Falcon will ONLY ask you to verify your identity and if you did make the transactions(s) or not; they will not ask for card number, expiration date, security code, or other personal information.
- Texts will be sent 24 hours a day/7 days a week; Calls will be made 8am-9pm. If Falcon cannot reach you via text or phone, or if contact needs to be made outside of calling hours, an email will be sent requesting you confirm the transaction(s).
- US consumers who have service through Verizon®, AT&T™, Sprint™ and T-Mobile® will not be charged message or data rates for these fraud alerts. We absorb that cost for you!
- If you receive a voice or email message from Falcon, please respond as soon as possible. Falcon Fraud® Specialist are available to assist 24 hours a day, 7 days a week.
- If you are not comfortable returning a call or responding to an email, we are here to help you at 509.744.6900 during normal business hours M-F 9am -5pm px, excluding holidays.e
How You Can Help
- Make sure we have your current phone number(s)—including your mobile phone—and email address, and notify us when they change.
- Protect your card and card information. Review your account activity as often as possible for unauthorized activity.
- Report any suspicious or unauthorized transaction(s) immediately.
Falcon Fraud® Protection works by recognizing unusual spending behavior. If you plan to travel or go on vacation, make sure to notify us before you leave. By giving us your contact information, travel dates and destinations, we will be able to better serve you while you are away.
Frequently Asked Questions
What is the purpose of Falcon?
Falcon provides an additional layer of security against unauthorized debit card transactions with real-time, 24/7 monitoring and alerting via text, phone and email notifications.
Are all debit card transactions monitored?
Yes. PIN-based and signature-based transactions are monitored 24 hours a day, seven days a week.
How are transaction scores determined?
Falcon maintains files about current fraud trends. It also learns your normal spending patterns. Based on a combination of this information, Falcon evaluates your transactions. If a transaction appears suspicious, Falcon contacts you.
How will Falcon contact me?
Falcon may contact you via text, phone or email asking you to confirm if suspicious debit card transactions are valid or not. Falcon will ONLY ask you to verify your identity and if you did make the transactions(s) or not; they will not ask for card number, expiration date, security code, or other personal information.
How can I stop text messages if I don’t want to receive them any longer?
All you need to do is respond back to the SMS text alert with the word STOP. US consumers who have service through Verizon®, AT&T™, Sprint™ and T-Mobile® will not be charged message or data rates for these fraud alerts. We absorb that cost for you!
Will the product work for customers residing in Canada?
For Canadian consumers, both text and email alerts are available.
Can the alerts be sent to customers travelling internationally?
Falcon is unable to send text or phone calls internationally, so please make sure your email address is current so Falcon can email you 24 hours a day 7 days a week.
Could a legitimate transaction get blocked?
Yes. A legitimate transaction may flag as suspicious if it does not fit your usual spending behavior. That’s why it is important to keep your contact numbers current so we can contact you quickly. And don’t forget to notify us before you travel or go on vacation.
Does Falcon guarantee it will catch all fraud?
No. Falcon is a state-of-the art fraud detection and prevention system. However, no system can protect from all fraud. That’s why it is so important to review your account activity frequently and notify us of any suspicious transaction(s) immediately.
Does Falcon cost anything?
No. Falcon is provided at no cost. Plus, US consumers who have service through Verizon®, AT&T™, Sprint™ and T-Mobile® will not be charged message or data rates for these fraud alerts. We absorb that cost for you!
Do I need to sign up or enroll for Falcon Fraud® Protection?
No. All existing and new debit cards automatically receive Falcon.
Counterfeit Bill Resources
You can help guard against the threat from counterfeiters by becoming more familiar with United States currency.
Look at the money you receive. Compare a suspect note with a genuine note of the same denomination and series, paying attention to the quality of printing and paper characteristics. Look for differences, not similarities.
- Do not return it to the passer.
- Delay the passer if possible.
- Observe the passer's description, as well as that of any companions, and the license plate numbers of any vehicles used.
- Contact your local police department or United States Secret Service field office. These numbers can be found on the inside front page of your local telephone directory.
- Write your initials and the date in the white border areas of the suspect note.
- Limit the handling of the note. Carefully place it in a protective covering, such as an envelope.
- Surrender the note or coin only to a properly identified police officer or a U.S. Secret Service special agent.
For more information on detecting and handling Counterfeits, please check out the links below or contact us.United States Secret Service Know Your Money
US Department of the Treasury Bill Security Features