Security and Fraud Prevention

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Enhanced Fraud Prevention Tools

We are excited to offer you peace of mind no matter where life takes you.

Your account has always been monitored for fraud, but now we can text you if we see something suspicious.  With our new Text Fraud Alert System, you will receive a message asking you to confirm if suspicious purchases are valid or not. We will only ask you to verify if you made the purchase(s) or not, we will not ask for account or personal information.

If you cannot be reached via text, our fraud department will email you. In the case that we cannot reach you by text or via email, a phone call will be made.  

Below is a sample of the text alerts you will receive.

  • FreeMsg:  River City Bank Fraud Dept: Suspicious txn on acct 1111: $201.99 WALMART. If authorized reply YES, otherwise reply NO. To Opt Out reply STOP.

SMS Response to "YES"
  • FreeMsg:  River City Bank Fraud Dept: Thank you for confirming this activity. Your account is safe for continued use. To Opt Out reply STOP.
SMS Response to "NO"
  • FreeMsg:  River City Bank Fraud Dept: Thank you. We will call you or you can call us anytime at 800-369-4887. To Opt Out reply STOP.
SMS Response to "HELP"
  • FreeMsg:  River City Bank Fraud Dept: received your msg. It is important we talk to you. Please call 800-369-4887 ASAP. To Opt Out reply STOP.

To learn more about our new fraud protection system, view our Fraud Text Alert FAQs.

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Beware of Email Scams!

Fraudsters are working vigilantly to get your money.  You MUST work just as vigilantly to protect it! The latest scam targeting businesses is perpetrated through email.  The criminal sends an email purportedly from a member of your business or one of your suppliers and requests you to wire funds. Before you react, pick up the phone and obtain verbal verification from your contact using the phone number you have on file.  This small act may save you thousands of dollars.

Data Security

Many companies keep sensitive personal information about customers or employees in their files or on their network. Having a sound security plan in place to collect only what you need, keep it safe, and dispose of it securely can help protect that sensitive data. To find out more information about keeping data secure, visit the Federal Trade Commission (FTC) website.

Identity Theft

Identity theft happens when someone wrongfully obtains and uses another person's personal data in some way that involves fraud or deception, typically for economic gain. For more information about identity theft and how to protect your identity, please visit the Federal Trade Commission's website.

Travel Tips 

The travel season is amongst us and whether you’re touring Europe or taking a road trip, we want to help you stay on top of your finances. Our secure banking services and stringent fraud protection are designed to give you piece of mind.  With proper planning, together we can make sure your experience using your debit card while traveling goes smoothly. Click here to read about more travel tips and tools. For lost or stolen ATM/VISA Debit Cards, please call (916) 567-2899 or (800) 564-7144.

Credit Reporting Bureaus

  Equifax  (
     Place a fraud alert:             1-888-766-0008
     Order a credit report:         1-800-685-1111

   Experian  (
     Place a fraud alert:             1-888-397-3742
     Order a credit report:         1-888-397-3742

   TransUnion (
     Place a fraud alert:             1-800-680-7289
     Order a credit report:         1-800-888-4213