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Fraud Protection

ACH Fraud

 24 Tips to Avoid ACH Fraud (PDF download)

Staying Safe Online

Tips for Staying Safe Online

Lost/Stolen Cards

Lost/Stolen MasterCard Debit Card

In the event you have misplaced or suspect your River Valley Community Bank MasterCard debit card may be stolen or misused, please contact us at (530) 755-0418 immediately during business hours (Monday-Friday 9:00am to 5:00pm) so we can cancel your card and send you a new one.

If you are unable to contact River Valley Community Bank during business hours, please call 1-800-500-1044 immediately; this is a 24 hour service line to cancel your card. To order a new card, please call the bank during the business hours listed above.

Lost/Stolen Visa Credit Card

In the event you have misplaced or suspect your River Valley Community Bank Visa Credit Card may be stolen or misused, please contact Cardmember Service 24 hours a day at 1-866-234-4691 (outside the US call 1-701-461-1772 Collect) immediately to cancel your card and order a new one.

Deter Fraud*

Identity theft is a serious crime. It occurs when your personal information is stolen and used without your knowledge to commit fraud or other crimes. Identity Theft can cost you time and money. It can destroy your credit and ruin you good name. Deter identity thieves by safeguarding your information by:

  • Shred financial documents and paperwork with personal information before you discard them.
  • Protect your Social Security number (SSN). Do not carry your Social Security card in your wallet or write your SSN on a check. Give it out only if absolutely necessary.
  • Do not give out personal information on the phone, through the mail, or over the Internet unless you know who you are dealing with.
  • Never click on links sent in unsolicited emails; instead type in a web address you know. Use firewalls, anti-spyware and anti-virus software to protect your home computer; keep them up-to-date. Visit for more information.
  • Do not use an obvious password like your birth date, your mother's maiden name, or the last four digits of your SSN.
  • Keep your personal information in a secure place at home, especially if you have roommates, employ outside workers or are having work done in your house.

Detect Fraud*

Detect suspicious activity by routinely monitoring your financial accounts and billing statements. Be alert to signs that require immediate attention:

  • Bills that do not arrive as expected
  • Unexpected credit cards or account statements
  • Denials of credit for no apparent reason
  • Calls or letters about purchases you did not make


  • Your credit report - Visit or call 1-877-322-8228, a service created by the three companies listed below, to order your free credit report each year. You can also write: Annual Credit Report Request Service, PO Box 105281, Atlanta, GA 30348-5281

    Credit Reporting Bureaus


    Order a credit report: 1-800-685-1111
    P.O. Box 740241
    Atlanta, GA 30374


    Place a fraud alert: 1-888-397-3742
    Order a credit report: 1-888-397-3742
    475 Anton Blvd.
    Costa Mesa, CA 92626


    Place a fraud alert: 1-800-680-7289
    Order a credit report: 1-800-888-4213
    P.O. Box 6790
    Fullerton, CA 92834

  • Your financial statements – Review financial accounts and billing statements regularly looking for charges you did not make.


Defend against ID theft as soon as you suspect it by:

  • Place a "Fraud Alert" on your credit reports, and review the reports carefully. The alert tells creditors to follow certain procedures before they open new accounts in your name or make changes to your existing accounts. The three nationwide consumer reporting companies have toll free numbers listed in the Detect Fraud section. Placing a fraud alert entitles you to free copies of you credit reports. Look for inquires from companies you have not contacted, accounts you did not open and debts on your account that you cannot explain.
  • Close Accounts – Close any accounts that have been tampered with or established fraudulently.
    • Call the security or fraud department of each company where an account was opened or changed without your okay. Follow up in writing, with copies of supporting documents.
    • Use the ID Theft Affidavit at to support your written statements.
    • Ask for verification that the disputed account has been closed and the fraudulent debts discharged.
    • Keep copies of documents and records of your conversations about the theft.
  • File a police report – File a report with law enforcement officials to help you with creditors who may want proof of the crime.
  • Report the theft to the Federal Trade Commission – Your report helps law enforcement officials across the country in their investigation.

Common Ways ID Theft Happens*

  • Dumpster Diving: They rummage through trash looking for bills and other paper with your personal information on it.
  • Skimming: They steal credit/debit card numbers by using a special storage device when processing your card.
  • Phishing: They pretend to be financial institutions or companies and send spam or pop-up messages to get you to reveal your personal information.
  • Changing your address: They divert your billing statements to another location by completing a "change of address" form.
  • Old–Fashioned Stealing: They steal wallets and purses; mail, including bank and credit card statements; preapproved credit offers; and new checks or tax information.

*All the information is provided by the Federal Trade Commission. To learn more about ID theft and how to deter, detect and defend against it, visit or request copies of ID theft resources by writing to:

Consumer Response Center

Federal Trade Commission
600 Pennsylvania Ave., NW, H-130
Washington, DC 20580