The past few years have seen several advances in mobile accessibility, especially when it comes to banking. Not only are we able to check our email, visit the web, and pay bills from mobile devices, we can also check our bank accounts and receive balance notices via email.

Unfortunately, with the increase in mobile banking, new arenas have opened up for identity thieves. It’s great to bank on the go, anywhere in the world, but there are a few things we at River City would like you to keep in mind when using mobile banking.

Read on for more information!



Remember the term “phishing,” where thieves would steal your identity via false emails requesting your personal information? Recently, a new term has been coined, called “SMSishing.”

What it is

SMSishing is basically phishing via text message. A SMSishing message will appear to come from a trusted source, such as a cell phone provider or bank,and may look like this: “Your account trial has expired. Visit [website address] to deactivate your account to avoid a $2/month addition to your bill.”

The message asks you to go to a website (via your mobile device) and download a program or an application. However, when you download the application, a virus is installed on your phone that collects your personal information and sends it to the thief.

Text message are wonderful conveniences, but it’s important to stay alert when using your phone for any banking business. Here are a few tips to keep in mind to protect your identity:

Download apps to your phone with caution, and only from trusted sources such as Apple’s App store, or Windows’ official website. If possible, read a handful of reviews prior to your download. Other users who have been unlucky will often post their bad experiences with a certain app. Keep an eye out for multiple negative reviews!

Don’t post your mobile phone number online. This includes public profiles such as Facebook, LinkedIn, and Twitter. If your phone number is online anywhere other than a secure account, the potential for thieves to access your phone number exists.

It’s important to know that River City Bank will never send an unsolicited message via text message as in the example above to your phone. If you do receive a message that requests that you visit another website, delete it immediately. If it appears to come from River City, let us know so that we can take steps to stop the messages.