Online Banking
Frequently Asked Questions
Here are the answers to the most frequently asked questions about Rivermark's Online Banking and Bill Payment.
Online Banking Questions
Bill Pay
Troubleshooting
Online Banking Questions
Q: What account transactions can I complete using Online Banking?
A: You can complete the following transactions using Online Banking:
- Review account balance and transaction history for your deposit and loan accounts including visa cards and home equity loans.
- Review information on your loan accounts including payoff amounts, due dates and balance information.
- Transfer funds between your savings, checking, visa and loan accounts.
- Transfer funds to other accounts (if you are a primary or joint owner).
- Export account information for Quicken or Microsoft Money.
- Use Bill Payment to pay monthly bills from your checking account
Q: Can I change my password?
A: Yes. While you're in Online Banking, click on the User Options button from the Account Access page to change your password.
Q: What do I need to use Online Banking?
A: The following:
- Rivermark checking account (Bill Payment only)
- PC or Macintosh with an Internet connection
- Online Banking password
- A recommended browser (see below)
Q: What browser do I need to access Online Banking?
A: You must use a browser that supports 128-bit encryption. Please click here for more information on supported browsers.
Q: How safe is my account information?
A: First of all, your account is password protected. Even if someone knows your account number, they cannot access your accounts without your password. For your safety, if this password is input incorrectly five times, the account is automatically locked. (You can contact Rivermark if you forget your password.)
Also, Online Banking uses encryption to send and receive account information and transactions. This means that information is "garbled" as it is transmitted via the Internet. The garbled information is translated after it reaches Rivermark's secure system. Your accounts (and our computer system) are not located on the Internet or Web. They are only accessed from behind a "firewall." A firewall is a security barrier set up between a company's internal systems and outside systems. Firewalls are designed to keep hostile visitors out and to protect a company's internal information.
We use the best available technology in security, firewalls and encryption to ensure that your accounts are safe.
Bill Payment Questions
Q: How do I register for Bill Payment?
A: You may register for Bill Payment online by logging into your Online Banking account and clicking on the "Bill Payment" button. First, you will be requested to read and accept Rivermark Community Credit Union's authorization disclosure. Failure to accept the disclosure terms prevents the registration process from proceeding. After the disclosure is agreed to, complete the online registration form. After submission, the registration form is electronically forwarded to Rivermark Community Credit Union for review. Rivermark Community Credit Union will review your request and send you an email notifying you of your approval/denial within three business days.
Q: How much does your Bill Payment service cost?
A: Online Bill Payment is free to members with one of our Checking Accounts.
Q: When can I start using Bill Payment?
A: After enrolling for Bill Payment you will first receive an Approval email. Once your account has been enabled, you will receive an Activation email indicating that you may log on to your Internet Banking session, and begin using Bill Payment.
Q: Which bills can I pay with the Bill Payment service?
A: Anyone, from your daycare to your cable bill, in the United States and territories who can accept a check, with the exception of tax payments (such as federal, state and local), court-directed payments (such as alimony and child support) and any other government related payments.
Q: How many days does it take for a payment to reach my payee?
A: The payee will receive your payment within three (3) banking business days for an electronic payee and five (5) banking business days if the payee is paid by check.
Q: When will the funds be taken from my account?
A: Funds will be taken from your account within one day of your scheduled payment date. In your Account History, the date that your account is debited is NOT the date your bill was paid.
Q: How far back can I view my payment history?
A: At least six months of payment history can be viewed online. The Bill Payment processor maintains payment history for up to seven years.
Q: Can I change/cancel a payment before it is sent?
A: A payment may be edited or deleted anytime before the payment is processed.
Q: How do I cancel a payment that has already been processed?
A: For stop payment requests initiated after processing, you must contact the Bill Payment processor Customer Support. Stop payments cannot be placed on electronic payments once they have been sent.
Q: How do I close my Bill Payment account?
A: Contact Rivrmark at 503-626-6600 or send us an email.
Troubleshooting
Q: I entered my member number and password, and I still can't access Online Banking.
A: Please review and re-enter your member number and password.. If you submit your password incorrectly more than five times, you will be locked out. If you have verified that your member number and password are correct but you still cannot login, contact Member Services during business hours at 503-626-6600.
Q: Do I have to press the sign off button in order to exit Online Banking?
A: No, but we strongly suggest that you do so. By properly exiting Online Banking, you can be assured that all communication is severed and that your account is secure. For your security, your Online Banking session will end (time-out) after a period of inactivity. This prevents other people from accessing your accounts should you leave your computer unattended. When your session times-out, you will be required to go back to the Sign-in screen and re-enter your account number and password. You may change the length of your "time-out" session within User Options.
Q: I forgot my password. What should I do?
A: Contact Rivermark at 503 626-6600. We will reset your password for you. You can also attempt to retrieve your password via online banking.
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