We take your security as seriously as we take your relationship.
At RNB, we want you to have complete confidence when you bank, either in person or online. That’s why we’ve built in a number of safeguards designed to keep all your banking – and your information –safe and secure. As the White River Valley’s hometown bank, we take our responsibility very seriously, and we go to great lengths to continuously refine and improve our processes every day. The tabs below have a lot of useful information you can use to stay safe and secure.
- Call the bank immediately at 802-728-9611 if:
- Your checks are misplaced or stolen
- You see unauthorized transactions in your account.
- You notice your RNB debit card is missing (after hours call the "Hot Card" number at 800-554-8969, or 1-973-682-2652 if outside the U.S.)
- If your RNB Hometown MasterCard is missing:
- Call 800-325-3678 immediately.
- Online Security
- Protect Yourself
- Email Security
- Identity Theft
Secure Sockets Layer
When you access your account and perform online transactions at RNB, we use 128-bit Secure Sockets Layer (SSL) encryption technology—the most widely used method of securing internet transactions available today. What does that mean? It transmits and receives your information while preventing unauthorized users from accessing it. With SSL, our personal and business customers can bank worry-free knowing that they’re safe from hackers around the world.
Online User ID and Password
Your sign-on credentials are exclusively for accessing your accounts online: Never share them with anyone, and change your password periodically. And rest assured, RNB will never ask you for your PIN or password in an email or while servicing your account.
You can have RNB automatically display your User ID on your computer by clicking “Remember My User ID”. That way, whenever you return to the site your ID will already be visible in the Log-In box. A spoof website will not be able to display your ID, so you’ll always know you’re in the right place. For your security, never set up a login cookie on a public or shared computer.
Our technology is protected by firewalls – systems that prevent unauthorized access to our network and which are constantly monitored to prevent security breaches.
Your online session will automatically end (“timeout”) if you don’t perform any transactions for ten minutes. To resume your session, you’ll have to re-enter your password.
Online banking is convenient and time saving. But it can also expose you to financial fraud and ID theft. While we do everything we can to make your online experience safe, there’s a lot you can do as well. Start with SecureCode Registration for your RNB Debit Card and RNB MasterCard. That way you can shop online with peace of mind by using a special SecureCode instead of your card number when making transactions. It’s fast, easy and free. Here’s what else you can do:
- Use online banking to monitor your accounts. Online banking is a great way to monitor your account activity on a daily basis. That way you can be sure that the transactions that are posting to your account are indeed yours, and if there are fraudulent charges you can catch them earlier and reduce the potential losses and hassle.
- Act quickly. If you believe someone is trying to commit fraud by pretending to be Randolph National Bank, contact us immediately at 802-728-9611.
- Use a strong password. Choose passwords that are difficult for others to guess (use both letters and numbers and a combination of lower case and capital letters), use different passwords for each of your online accounts and NEVER share them.
- Leave suspicious sites. If a website looks suspicious, it probably is so leave immediately and do not follow any instructions it gives you.
- Only open emails from senders you know. Be especially careful about opening an email with an attachment -- even those from friends may accidentally have a virus.
- Look out for scam emails. While they may appear to come from a trusted source, they are designed to trick you into downloading a virus or jumping to a fraudulent website and disclosing sensitive information.
- Don't reply to requests for personal information. Any email that asks for your password, Social Security number, or other highly sensitive information is highly suspect – don’t reply, and delete the email immediately.
- Be aware of links in emails. The link may not be trustworthy, so don’t click on it.
- Only submit personal or financial information on secure, encrypted websites. The best way to know if a site is secure is to see if it has https:// at the beginning of the web address. You can also look for the padlock symbol on the bottom bar of the browser.
- Use the most current anti-virus software. To keep up with new viruses, update your anti-virus software as soon as newer versions are available.
- Install a personal firewall. If you connect to the internet via cable or DSL, a firewall is vital to prevent unauthorized access to your computer.
- Monitor your transactions. Review your order confirmations, credit card, and bank statements as soon as you receive them to make sure you're being charged only for transactions you made. Immediately report any irregularities in your RNB accounts by calling 802-728-9611.
- Don’t do online banking in public places over wireless networks. ID thieves can use 'keylogging' software to capture log-in information to fraudulently access your account.
Want to learn more about online safety? Visit the FDIC website for everything you need to know.
Phishing, spoofing and spamming: Silly words, serious threats.
When it comes to getting hold of your personal and financial information, fraudsters can come up with some very creative ways to disguise themselves. What are they after? It could be your Password or PIN, Credit Card Validation (CCV, CCV2) code on the back of your card, ATM/Debit or Credit Card number, Social Security number, bank account number or any combination of these.
Even up here in the White River Valley we’re not immune, and we’re aware that RNB customers have been contacted by fraudsters. Some cardholders are told that the bank’s credit card processor has been sold; others have been told that their bank cards have been deactivated. In each case cardholders are instructed to enter their card numbers and the security codes from the card backs to reactivate their card numbers.
Spoof emails look like they’re sent by well-known companies, and ask consumers to reply with personal information, such as a credit card number, social security number or account password. Although they can be difficult to spot, they generally ask you to click a link back to a spoof web site and provide, update or confirm sensitive personal information. To bait you, they may allude to an urgent or threatening condition concerning your account. Also known as "hoax" or "phishing" emails, this practice is occurring more and more frequently throughout the online world. Because they look authentic, spoof emails can be a major problem for unsuspecting Internet users.
These contacts are fraudulent. If you receive questionable calls or e-mails, please contact us. Here are some tips to keep in mind:
- Make sure that you, the cardholder, initiate any contact concerning your cards, and that the institution you are calling verifies your identity with questions only you would know;
- To verify whether a call is legitimate, call your institution or bank using the telephone number listed in your telephone book or on your account documents. Do not call back a number provided over the phone, or click on a link in an e-mail.
- Most fraudulent communications will include something that will cause you concern, worry, or excitement. This is how tricksters try to gain an advantage. Don’t fall for it!
- If you find that you have been the victim of a scam, file a complaint at the Police Station.
- Notify us at Randolph National Bank at 802-728-9611 with any of your security concerns.
Remember - we'll never contact you via email to confirm your Customer/Account Numbers, Log-in ID, PIN, Social Security Number or any other piece of personal information. If you receive an email that you think may be suspicious for any reason, permanently delete it from your mailbox, and contact RNB.
Don’t have an identity crisis: Heading off identity theft.
Identity theft is a growing problem worldwide, but that doesn’t mean you have to be a victim. ID theft happens when someone obtains essential information about you – such as your Social Security Number, date of birth and mother's maiden name – and uses it to get credit cards, loans or even a mortgage in your name. This information can come from many places, including:
- Stolen mail
- Stolen wallets and purses
- Your trash can
- Using phony postal change of address forms
- Illegal access to computers
- Obtaining or purchasing personal information from the Internet
Reducing your chances of being a target for ID thieves just takes some common sense and an added dose of prudence. Here’s how to keep your ID to yourself:
- Don’t carry your Social Security card, passport or birth certificate unless absolutely necessary
- Limit the number of credit cards or checks that you carry.
- Shred all credit card receipts, credit offers, canceled checks, expired credit cards and financial documents
- Do not give personal or financial information over the phone unless you know the caller is legitimate
- Do not put your Social Security number on checks (except to the IRS when requested)
- Call your credit card company if your card has expired and you did not receive a new one
- Do not submit personal or financial information, log-in IDs or passwords online unless the website is secure and encrypted
- Memorize your PINs and passwords instead of writing them down
- Cancel unused credit cards
If you find you're the victim of identity theft, the FTC website has all the information you need.
If something sounds too good to be true, it is.
Criminal scams are becoming more ubiquitous, and in harder economic times they’re more successful. That’s because many of these scams promise easy money, and as you probably already know, there’s no such thing. Chances are you’ve already seen or heard about some of the more common scams out there, and here are just a few examples of what you may find in your inbox (or hopefully, junk mail box). You have a Delete button, don’t be afraid to use it.
If you did not enter a sweepstakes or lottery (especially one in another country) then the notice that you just won a large sum of money is a scam. Don't give them any information or send them any money...PERIOD!
If you are selling items on eBay never agree to accept a check of any kind written out for more than the amount of the item you are selling. More than likely it is a scam, and after you cash the check, send them the item and possibly refund them the balance of the check, you will likely learn that the check was fraudulent. Not only will you have lost the item you were selling, but you will have to pay the bank back for the money you spent and/or sent back to the individual.
Foreign Diplomat Needs Help
If someone from another country sends you a letter stating that they have a lot of money that they need help getting to the United States in order to help get them out of a country with an oppressive government (or something similar)...it is a scam. The first question to ask...why me? Do you know this person? Where would they ever have gotten your name and address? They will take your information and your money. Throw the letter or email in the trash!