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  • Richmondville: 518-294-6661
  • Cobleskill: 518-234-4397
  • Schoharie: 518-295-8884

Security Center

Bank of Richmondville is committed to keeping you informed about online security issues and make banking online safer. Please remember to visit this page frequently for the latest information about protecting yourself.

Protect your privacy

You can protect your privacy and minimize your risk of becoming a victim of identity theft by taking some important steps and precautions.

Learn more about protecting your privacy

Avoid Ransomware

Click Here to learn more

Protect yourself from identity theft

Identity theft is one of today’s fastest growing crimes. Here you can get helpful tips on ways to avoid identity theft and steps to take if you have become a victim of it.

Learn more about protecting your personal identity


Business identity theft

Business Account Takeover is the business equivalent of personal identity theft. We’ll help you understand how to take proactive steps and avoid or minimize most threats.

Learn more about protecting your business


Social engineering

Social engineering is a technique used to get your secure information by tricking you into revealing it. In some cases, the victim doesn’t even know it happened. We share ways to avoid this scam.

Learn more about social engineering






How You Can Protect Your Privacy

Identity theft is one of the fastest growing white-collar crimes. It occurs when an identity thief gains access to and uses an individual's personal identifying information without his or her knowledge in order to commit fraud or theft. To protect your privacy and minimize your risk of becoming a victim of identity theft you can take the following steps:


Personal identifying information 

• Protect personal identifying information, such as your date of birth, Social Security number, credit card numbers, bank account numbers, Personal Identification Numbers (PINs) and passwords
• Do not disclose any of your personal identifying information to any person who is not permitted to have access to your accounts.
• Do not disclose any of your personal identifying information over the telephone, through the mail or online unless you have initiated the contact or know and trust the person or company to whom it is given


Credit, Debit and ATM Cards

• Carry only the most used credit cards and debit cards
• Cancel cards you do not use
• Keep receipts from card transactions
• Sign new cards as soon as you receive them
• Immediately report lost/stolen cards
• Never dispose of ATM/debit receipts in public receptacles. Shred them at home 
• Keep a list of all your card information (account number, expiration dates, credit limits, and telephone numbers of all customer service of fraud departments. Store the list in a safe place.


Credit Reports

• Annually, order a copy of your credit report and review it for accuracy 
• Review your credit report for unauthorized purchases, bank accounts and credit cards
• Look for anything suspicious in the section of your credit card report that lists who has received a copy of your credit history Pin and Password 
• Memorize your PINs and passwords and keep them confidential
• Frequently change your password
• You may change your NetTeller ID by modifying login information located in the Options tab
• Avoid carrying PINs and passwords in your wallet or purse or keep them near credit cards, debit cards, ATM cards or checkbook



• Promptly remove mail from your mail box
• Deposit outgoing mail in post office collection box


Internet and Telephone Solicitations 

• Be suspicious of any offer made by telephone, on the web or in an email, that seems too good to be true
• Before responding to a telephone or Internet offer, make sure the person or business making the offer is legitimate
• Bank of Richmondville never requests customer’s bank card number, account number, Social Security number, Personal Identification Number (PIN) or password through email. If you should receive an email requesting such information that  appears to be from Bank of Richmondville, do not respond to the email and contact Bank of Richmondville at (518) 234-4397


Financial Statements

• Contact your financial institution immediately if a bank account or card statements do not arrive on time 
• Review your financial statements promptly and immediately report any discrepancy or any unauthorized transactions


Additional Considerations

• Use common sense and be suspicious when things do not appear right
• Question any proposed transaction that requires you to send an advance payment or deposit by wire transfer
• Call Bank of Richmondville at (518) 234-4397 if you believe that you are a victim of identity theft involving one of your Bank of Richmondville accounts 


Protect Your Personal Information

Identity theft is one of today’s fastest growing crimes. Here you can get helpful tips on ways to avoid identity theft and steps to take if you have become a victim of it.

Helpful tips to avoid becoming a victim of identity theft:

• Store personal information in a safe place. Do not leave it in the open
• Be cautious when releasing your personal information
• Never disclose account numbers, Social Security numbers and credit cards numbers over the phone unless you know the person or organization you are dealing with
• Do not send confidential information via e-mail; this is typically not secure unless you know it is encrypted when sent over the Internet
• Safely dispose of personal information. Shred financial statements, bank checks, credits cards offers, charge receipts
• Regularly monitor account information and billing statements
• Obtain and review copies of your credit report. Order copies of your credit report yearly. The three major credit bureaus are:

EQUIFAX 800-685-1111  EXPERIAN 888-397-3742  TRANS UNION 800-888-4213




Corporate Account Takeover

Corporate Account Takeover is a form of corporate identity theft where a business’ online credentials are stolen by malware. Criminal entities can then initiate fraudulent banking activity. Corporate Account Takeover involves compromised identity credentials and is not about compromises to the wire or the ACH system of the Bank of Richmondville network.

Steps you can take

• Use a dedicated computer for financial transactions
• Apply operating system and application updates
• Ensure that anti-virus/spyware software is installed, functional and updated with the most current version
• Use the latest version of Internet browser
• Turn off computer when not in use
• Stay Informed about threats (subscribe to your anti-virus vendor newsletter)
• Review your banking transactions and your credit report regularly
• Use multifactor authentication when available
• Report Suspicious Activity
• Never share your credentials
  Call us immediately at (518) 234-4397 if you believe that your Bank of Richmondville account has been compromised



Social engineering

Social Engineering is a technique used to obtain or attempt to obtain secure information by tricking an individual into revealing the information

Common Techniques

• Social Engineering by Phone – Pretexting
• Dumpster Diving
• On-line Social Engineering – Phishing, Vishing, SMiShing, Pharming
• Persuasion
• Reverse Social Engineering
• Shoulder Surfing – Looking over a shoulder to see what they are typing
• And many more...

What you should do

• NEVER share your user name or password with anyone
• Bank of Richmondville will NEVER call for your user name or password
• Report fraud to us
• ALWAYS be aware of your surroundings



Richmondville Office:

284 Main Street
PO Box 130
Richmondville, NY 12149
(518) 294-6661


Cobleskill Office:

857 East Main Street
PO Box 40
Cobleskill, NY 12043
(518) 234-4397


Schoharie Office:

428 Main Street
PO Box 488
Schoharie, NY 12157
(518) 295-8884