Richfield Bloomington Credit Union's Online Banking Service is not only the
most convenient way to manage your finances 24 hours a day, 7 days a week from anywhere you have an internet connection; it is also committed to being the safest possible.
Encryption
As you may already know, RBCU online banking data is safeguarded by encryption as it moves between systems. Encryption scrambles messages exchanged between your browser and our server. Data residing on a system can only be accessed by using an authorized sign-on ID and Password.
RBCU uses 128-bit Secure Sockets Layer (SSL) Encryption to conduct transactions between your browser and our servers.
After you log in, just look for the closed gold lock  (Internet Explorer) or key (Netscape) in your browser's taskbar. The Internet address of secured pages should also start with an "https" prefix as opposed to "http". An example is https://secure-rbcu.org.
Double click on the padlock or key and a Security Certificate will pop up. This provides the security information about the website, the identity of the certificate provider, and the certificate owner's name.
Multi-Factor Authentication
Beginning in November and going fully "live" on December 26, 2007, RBCU has upgraded its online banking with a new security feature: multi-factor authentication. This very important upgrade identifies you as the rightful account owner by recognizing not only your password but also your computer. If the computer being used to log onto your online banking accounts is not recognized by the security system, you will either be asked to answer a number of security questions that only you know the answers for or you will be phoned to confirm your identity.
It is important to note that once you've successfully logged onto your account from a computer not considered part of your "normal" online banking access network, that "new" computer will then be recognized as normal behavior for you and you will not be prompted to answer security questions in the future.
Enrolling in Multi-Factor Authentication
Every RBCU online banking member will be required to enroll in the new and completely free multi-factor authentication security feature.
This will require members to participate in a brief one-time enrollment process. During this process you will prompted by the online banking system (after you've logged onto your account) to do the following:
1. Select 3 security questions and the answers to those questions.
2. Provide 1 and up to 4 phone numbers where you can be reached when doing your online banking (cell phone, home, work, etc.).
3. Verify your security questions, the answers to those questions, as well as the phone numbers you've provided.
4. Submit the information.
Passwords
When you enroll in RBCU's online banking, you will choose a sign-on ID and password for yourself. However, your chosen password at this point is only to get you onto the system the very first time; you will immediately be asked to change your password after successfully signing on. Additionally, if anything is entered incorrectly in your initial online enrollment for RBCU online banking, an RBCU online banking representative will contact you to confirm your identity and your chosen sign-on ID and password before the enrollment process is completed.
Remember that you play an important part in keeping others from logging into your account. Never use passwords that are easy to guess. For example, birth dates, first names, pet names, addresses, phone numbers, and social security numbers all make poor choices for passwords. Never reveal your password to another person.
Other safeguards
- If there are 3 failed sign-on attempts using your sign-on ID and/or password, the system will lock your account access and no one will be able to attempt signing onto your online account(s).
- After a specified period of inactivity, RBCU online banking will "timeout." This limits the time that a person might have to continue your online banking session if you left your computer unattended without logging out.
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