Best Practice

Debit Card Alerts:

You can elect to receive text or e-mail alerts on all your debit card transactions via the electronic device of your choice. If you wish to opt out, we will reduce your daily transaction availability to $500.00 at both the ATM and point of sale.

Credit and debit cards are easy targets for fraud. Alerts will provide a method to keep our clients from becoming victims of fraud and help you monitor your account and transactions in a personalized, real-time manner. At Royal Banks of Missouri, our top priority is the security of your vital account and personal information. This product enhancement features an easier way for you to track and monitor online, point of sale and recurring monthly transactions associated with your Royal Banks of Missouri Debit Card.

If you would like to receive text alerts, please Contact Us. You can also visit us at any of our Royal Banks of Missouri locations.

HOW TO PROTECT YOURSELF FROM CYBER CRIME!

At Royal Banks of Missouri, our top priority is the security of your vital account and personal information. In coming months, we will be further strengthening the security features of your online banking experience, including new easy-to-use and effective fraud detection tools. As we take these steps, we will let you know exactly what we are doing and how it benefits you.

Until then, here are some simple “best practices” you can observe right now to help protect your information . By following these, you will greatly lessen your chance of becoming a victim of the many fraud schemes commonly employed by criminals. If you have a question about anything below, please contact your Royal Banks personal banker, visit one of our branch offices, or contact us at (314)212-1500 or 1(800)811-8157.

• Nobody from Royal Banks of Missouri will EVER ask you for your Internet banking passcode, your full Social Security Number, your Royal Banks account number, or any other such information. You should regard these requests as fraudulent, including phone calls, letters, e-mails or text messages.
• Do not share Internet Banking access IDs, passcodes or security questions/answers with anyone.
• Royal Banks may sometimes contact you about your account via e-mail, online banking message, U.S. postal service letter, or phone call. But we will not solicit personal information from you that we already have in our records.
• Periodically, we may post messages on Internet Banking about possible fraud attempts. You’ll receive an e-mail when these messages are sent. Please read them!
• Whenever you perform the following transactions through Internet banking, we will send you an e-mail confirming the transaction, it’s very important to read these to be sure you authorized the transaction. If you didn’t, contact us immediately:
  • External transfer of funds to another institution
  • Bill payment
  • Change to your Access ID, Passcode, or Security Questions/Answers
  • Change to your e-mail address (we’ll send an e-mail to your old and new address for security reasons)
  • ACH Origination or Wire Transfer Payee added or changed (commercial accounts only)
• If you receive a communication claiming to be from Royal Banks and you have any question about the validity of the communication, please call or visit one of our offices and we will be glad to help you. You also may call our Royal Line at 1-800-811-8157 during banking hours.
• We strongly encourage you to use some or all of the “Notify Me” message options after you sign on to Internet banking. You can have the system automatically alert you by e-mail whenever your balance goes below or above a certain amount, if there’s an overdraft in your account, or if certain transactions are posted.
• When setting up passcodes or challenge questions and answers in online banking, choose ones that are difficult to guess. Don’t use family names, birthdates, your SSN , addresses, or your job.
• Safeguard your Internet Banking passcode, access ID, security questions and answers. Also, your name, address, social security number. Do not place such personal information on multi-media devices such as computers, mp3 players, and cell phones. Shred all paperwork with personal information on it.
• We strongly recommend you obtain, and keep current, good quality industry-approved anti-virus software on your PC.
• Do not use public “wi-fi” hot spots to access your Royal Banks account information or other sensitive information from a PC or device. These sites often do not have adequate security controls in place.
• Be cautious about information you share on online communities, especially social sites like Facebook and Twitter and LinkedIn.
• Do not be taken in by schemes to persuade you to transfer funds to persons or places you aren’t very familiar with. These often take the guise of someone sending you an unsolicited letter or e-mail promising you a large amount of money if you first send a lesser amount from your account to a location they specify. These are ALWAYS fraud!
• Do not open e-mails from persons you don’t know, and do not open any links or attachments in the e-mail. Immediately delete such e-mails and delete them from your “trash” folder as well.
• Even if you DO know the person sending you the e-mail, be suspicious if it contains a message you wouldn’t expect to get from that person (for example: “how I got rich quick”), or if it’s just an e-mail with no message and only a link or attachment. Call the individual whose name is on the e-mail and confirm they sent it to you before doing anything.
• Password protect your PC, laptop, notebook or smart phone to further ensure security of your private information.
• When you shop online, make sure you’re using a secure web site, like ones with a URL address that begins with “https” and/or businesses that have had their website certificate verified by a company like Verisign.
• Use your e-mail provider’s spam mail filters in order to block viruses on your computer.
• Examine account statements you receive from Royal Banks of Missouri and immediately report to us any discrepancies or errors. This will minimize your chance of a loss.
• Don’t send e-mails to the bank containing personal or account information, such as your name/address, Social Security Number, account number, passcodes, etc. E-mail is not secure and can easily be accessed by criminals. If you need to send information to us, use the “Contact Us” feature in online banking, fax it, or use our secure, encrypted CSIeSafe.com service. Please speak with your Royal Banks banker for further information about CSIeSafe.com.
• And finally: REPORT any crime including harassment to the authorities right away! There may be laws in your state that can protect you and your family.