Protect Yourself Online
Rivermark values our members’ security and privacy. While Rivermark is continuously improving the security of our systems, your knowledge of how to defend yourself against online threat is one of the best defenses.
Simple Tips to Be Safe Online
1. Keep Information Private
Public computers, like the ones at your public library, are often targets for hackers who install a keystroke logger that captures anything typed into the machine. Be cautious about accessing your accounts or other websites where they could obtain usernames, pin, answers to security questions and passwords.
Hackers can mask emails and text messages to look like they come from a trusted sender. Do not send your account number or personal information via email or text messaging to anyone.
Be alert for phone calls where the representative asks for personal information, including your member number, Visa number or social security number. Rivermark representatives will not call to request personal information. If you get a suspicious call, ask for the caller’s name and extension and then call them back at Rivermark’s main phone number (503.626.6600). You can enter the extension at any time after our automated operator answers. DO NOT call the representative back on any number other than Rivermark’s published phone numbers: 503.626.6600, 800.452.8502 or 541.296.3224.
Also, do not give anyone your debit card PIN and do not write it down.
2. Review Your Accounts
Early detection is key in stopping fraud early. Rivermark encourages members to login to Online Banking regularly to review account activity. Please contact Rivermark immediately with any concerns at 503.626.6600.
3. Make Your Password Strong
Change your password regularly and make it complex: at least 8 characters with a mix of letters, numbers and special characters. Do not give anyone your password and do not write it down. Use different passwords for your key accounts. Tip: If you have trouble remembering your passwords you might benefit from a secure password storage app such as KeePass.
4. Watch for Redirection
Use care when a hyperlink redirects you to a website that doesn’t look like it is operated by Rivermark. Rivermark has warnings that alert you when you are being redirected to a website operated by one of our partners. Use caution and contact Rivermark if you do not see this warning or suspect fraud.
5. Log Off
When you’re done using Online Banking, don’t just close the browser window. Always logoff.
6. Assess Your Risk
You are encouraged to review the actions you are taking to keep your Online Banking access safe. Security controls could include how you store information like your member number, password, pin or the answers to security questions. Also consider the type of antivirus protection you use on your computer and the security of your wireless network.
7. Be Wary of Public Wi-Fi
Placing that online order waiting in line at the coffee shop may be convenient, but be very careful when using public wi-fi networks. Many times these hotspots are not secure, which puts you at risk. Use a secure, encrypted network, which will require you to provide a password.
When Will Rivermark Contact You
Rivermark representatives will NEVER request your member number, social security number, Visa credit or debit card number, Personal Identification Number (PIN) or Online Banking login information via call, email or text message. Rivermark representatives may ask for this information when you initiate contact when it is needed to assist you.
Risk Management may contact you via automated call (866.750.9107) to verify unusual credit or debit card transaction. You have the option to talk to complete the call through the automated system or talk to a representative. Our Risk Management department will NEVER ask you for any of your Online Banking login information.
The Rivermark representative will:
- Introduce themselves as Rivermark Risk Management: The representative may ask you to verify your card with the last four digits of the card number they are contacting you about. Do not give anyone claiming fraud was detected on your credit or debit card your full card number, expiration date, three digit security number (located on the back of your card), or your full social security number.
- Ask you to verify the transaction(s) in question: Risk Management may ask you for information about your address or last four of your social security number. Risk Management will only ever call you about credit or debit card transactions.
Protections Under Reg E
Protections under Regulation E, better known as the Electronic Fund Transfer Act (EFTA), outlines the rights, liabilities, and responsibilities of consumers that use electronic services covered under the EFTA and financial institutions that offer services covered under the EFTA. Covered electronic services offered by Rivermark include:
- ATM (Automated Teller Machine)
- ACH (Automated Clearing House)
- Debit Card Transactions (point-of-sale)
- Online & Mobile Banking
- Telephone Teller
Services such as checks, wire transfers or transfers between your Rivermark accounts or loans completed through Online Banking, over the phone or in person at a branch are not covered by EFTA.
For more information on your rights, responsibilities, and liabilities under EFTA, including a complete list of EFTA covered and uncovered services, please review the Membership and Account Agreement.