Online Banking
Business
- Enjoy the convenience of our Basic Business online services 24 hours a day, 7 days a week.
- View account activity, monthly statements and images of cashed checks.
- Initiate stop payments, on paper checks (fees apply).
- Transfer funds between your Valley Republic Bank business accounts.
- Online bill pay services (fees apply).
- Download transaction information to Quicken and QuickBooks.
- Originate an ACH electronic credit to another bank.
- Originate an ACH electronic debit from another bank to be credited to your Valley Republic Bank account.
- Send electronic payments for Direct Deposit Payroll Deposits for your employees.
- Initiate Domestic and Foreign Wires.
- Positive Pay.
- Account Reconciliation.
Personal
- Enjoy the convenience of our Basic Business online services 24 hours a day, 7 days a week.
- View account activity, monthly statements and images of cashed checks.
- Initiate stop payments, on paper checks (fees apply).
- Transfer funds between your Valley Republic Bank business accounts.
- Online bill pay services (fees apply).
- Download transaction information to Quicken and QuickBooks.
Security & Privacy
Effective Date September, 2011
Valley Republic Bank's Privacy Notice may be accessed via the following link:
Privacy Notice
SECURITY AND CONFIDENTIALITY OF INFORMATION
Information about you is restricted and is used only to those employees who need to know to provide customer service and products for business purposes. We maintain physical, electronic and procedural safeguards that comply with federal standards to keep your nonpublic personal information confidential.
ACCURACY OF INFORMATION
Valley Republic Bank has procedures in place to ensure that customer financial information and history is accurate, current, and complete. We will not furnish information relating to a customer to any consumer reporting agency if we know or should have known that the information was inaccurate. We will not furnish information to a consumer reporting agency in the following situations:
- The consumer has notified the Bank at the address specified by the Bank, that specific information is inaccurate.
- The Bank is aware that the information is inaccurate.
If the Bank learns that information furnished to a consumer reporting agency is not complete or accurate, the following steps will be taken:
- Promptly notify the consumer reporting agency of the error.
- Provide the agency with correct information, and/or take the steps to make the information correct.
- Refrain from furnishing to the agency any information that remains inaccurate or incomplete.
Contact us immediately if you have any reason to believe that your personal information is inaccurate or incomplete at the following address:
Valley Republic Bank
5000 California Ave.
Suite 110
Bakersfield, Ca 93309
661-371-2000
IDENTITY THEFT-USEFUL TIPS
- Shred financial information
- Notify Bank of suspicious phone inquiries
- Safeguard financial information
- Report lost or stolen checks immediately
- Deposit mail in secure postal service boxes
- Be alert to missing monthly bills
- Investigate questionable items on each bill
- Avoid phishing scams on internet or online banking
You may obtain a free credit report each year by calling 877-322-8228 or online at
www.annualcreditreport.com.
INTERNET PRIVACY POLICY
Keeping your online financial and personal information secure and confidential remains one of our top priorities. We insure your privacy and security by offering technology and services that are top of the line in the online banking industry.
NOTE: Valley Republic Bank will never request personal nonpublic information by e-mail. Any attempts received by you should be called in to the bank immediately.
Encryption- The privacy of communications between you (your browser) and our servers is ensured via encryption. Encryption scrambles messages exchanged between your browser and our online banking server.
Password Complexity- It is important to verify that only authorized persons log into online banking. This is achieved by verifying your password. When you submit your password, it is compared with the password we have stored in our secure data center. We allow you to enter your password incorrectly a fixed number of times; to many incorrect passwords will result in the locking of your online banking account until you call us to reset the account. We monitor and record "bad login" attempts to detect any suspicious activity such as someone trying to guess your password.
You play a crucial role in preventing others from logging on to your account. Never use easy-to-guess passwords. Examples could be:
- Birth dates
- First names
- Pet names
- Addresses
- Phone Numbers
- Social Security Numbers
Never reveal your password to another person. You should periodically change your password in the User Option section of Internet Banking.
Secure Architecture- The computers storing your actual account information are not linked directly to the Internet. Transactions initiated through the Internet are received by online banking Web servers. These servers route your transaction through firewall servers. Firewall servers act as traffic police between segments of our online banking network used to store information, and the public internet. This configuration isolates the publicly accessible Web servers from data stored on our online banking servers and ensures only authorized requests are processed. Various access control mechanisms, including intrusion detection and anti-virus, monitor and protect our systems from potential malicious activity. Additionally, our online banking servers and fault-tolerant and provide for uninterruptible access, even in the event of various types of failures.
Online Banking Features that Promote Security- We provide a number of additional security features in online banking to protect you:
Multifactor Authentication- Enhanced login security that will defend against identity theft and fraud, provide added security from any computer, wherever you are, and make it easier for you to use.
Timeout- This prevents curious persons from continuing your online banking session if you left the PC unattended without logging out. You may set the timeout period in online banking's User Options screen. We recommend that you always sign off (log out) when done with your online banking.
Online Statements- Online statements are facsimiles of traditional financial statements packaged and delivered to you securely within Internet Banking. By eliminating your paper statement, you help stop thieves from stealing your information our of your mailbox.
Check Images- View an exact facsimile of your check transactions online to help prevent fraud.
Alerts- Check clear alerts, payment alerts, and balance alerts are financial tools we provide to help you monitor your account activity and detect suspicious transactions
Any changes to the online privacy policy will be noted on the website.
