DON'T FORGET!  YOU HAVE FREE CREDIT REPORTS WAITING!

The three major credit reporting agencies allow you to receive a free credit report each year.  The site is www.annualcreditreport.com.  The three agencies are Equifax, TransUnion and Experian.  Though you won’t receive a credit score, you will be able to review all your credit activity and dispute discrepancies if there are any.  

One suggestion is to request your report from one of the three agencies every four months.  This way, you can monitor your account on a more frequent basis for unauthorized activity and be proactive to ensure you are not a victim of identity theft.   The site is secure, easy to use and best of all, FREE!  You can call 877-322-8228  to request your credit report, too.

BANKING ON THE GO! 

When you register for our free RubyNet Internet banking, get the most out of the system by utilizing the account alert feature.  Alerts can be established for minimum or maximum account balance thresholds, when certain checks clear or even security alerts.  The alerts can be sent to an email address or to a cell phone.  (The email or text message will be from RubyNetAlerts@rubyvalleybank.com so you may want to add to your contact list.)

Setting up an alert is easy.  Simply login to RubyNet Internet banking account, select Account, click on Account Alerts from the drop down menu, then Add New Alert.  You will be presented with a list of available types of alerts.  When your contact information (either email or phone number - or both) is entered, click Submit, then you will be prompted to verify by clicking Submit one more time and then you will receive a message that “You have successfully added the alert”. 

Some of the more useful alerts are for account balances.  When your balance is below your established threshold, simply log into RubyNet or call our 24 Hour Better Banking system to transfer money.    You can even set an alert for a reminder for a birthday or an appointment!