Protecting your information
Security is a product here, not a policy PDF. These are the controls that protect the account and the plays that stop a bad day from becoming a loss.
How we protect you
Layers, not a single lock
No single control is enough. The account is protected by the session, the device, the transaction screen and the person on the other end of the phone.
Encrypted, monitored sessions
Traffic between your browser and the bank is encrypted in transit. Sessions expire, devices are recorded and unusual sign-ins are challenged.
Sign-in you control
Strong passwords, optional biometric unlock on your device and a single place to end every other session if a phone or laptop goes missing.
Transaction monitoring
Card and transfer activity is screened for patterns that do not fit the account. A hold is a question, not an accusation, and a banker can clear it.
People and process
Wire changes are verified by phone using a number already on file. Staff access is limited to the task, logged and reviewed.
Scams in circulation
What fraud looks like this month
The message changes, the pressure does not. Any request to act immediately, keep it secret or move money outside the account is a reason to stop.
Phishing and smishing
A text or email that looks like River Gem asks you to sign in, confirm a payment or update a phone number. We never ask for a password or a one-time code by message.
Voice cloning
A caller sounds like a family member or a banker and creates urgency. Hang up and call the number on this site or the back of your card.
Wire instruction changes
An email arrives with new closing or vendor instructions. Treat any change as fraud until it is confirmed by phone with a known contact.
Fake support
A pop up or caller offers to fix your account and asks for remote access. River Gem will not ask you to install remote control software.
Overpayment and check scams
A buyer sends too much and asks for the difference back. The original check can still be returned after the funds appear available.
Romance and investment pressure
A relationship moves quickly to a time sensitive transfer or a private investment. Slow down and talk to a banker before the money leaves.
If something went wrong
Call first, then work the list
Speed matters more than pride. A banker can freeze a card or stop a transfer while you gather the details.
- 1
Call the River Gem fraud line immediately so the card or transfer can be stopped.
- 2
Change your online banking password from a device you trust and end other sessions.
- 3
Review recent transactions and statements; report anything you do not recognize.
- 4
Contact the three credit bureaus and ask for a fraud alert or freeze if identity data was exposed.
- 5
File a report with the FTC at IdentityTheft.gov and, where money was taken, with local police.
- 6
Keep the messages, numbers and reference numbers. A banker will use them in the investigation.
