1. Why do I have to download a new Red River Bank Mobile Banking App?
The new Red River Bank Mobile Banking App is the Next Generation in Mobile Apps. It is visually improved and contains security features that meet the Federal Financial Institutions Examination Council's (FFIEC) guidance requirements. The new Mobile Banking iPad App is now configured to maximize the tablet experience.
2.What is the process to download the bank's new App?
To download the new Red River Bank Mobile Banking App,
Go to the download store for your type of phone or tablet.
Search for Red River Bank
Download the free App for your device. There is an App for mobile phones and a tablet App for iPads.
Login to the new Mobile Banking App using your Online Banking User ID and password.
Enter your first name, last name and date of birth where prompted.
Three questions will be presented to you with information only you should know. Answer the three questions correctly to register your phone on the Mobile Banking App.
You will receive a prompt to enter your mobile phone number. Enter your mobile phone number including the area code. If you have downloaded the tablet App, you may enter the phone number assigned to your tablet by your mobile phone provider or your home phone number.
Read and accept the Terms and Conditions.
A Mobile Banking session will begin.
3. I'm getting “A new app version is required. To access Mobile banking, please download the new app.” message every time I try to use Mobile Banking. What is wrong with the App?
If you are getting that message, you are trying to access a retired Red River Bank Mobile Banking App. Delete the retired App on your phone and then go to the download store for your type of phone (iTunes or Google Play) and download the bank's new App.
4. Why am I being asked questions that I didn’t select to be asked to identify me?
These questions are called Out-of-Wallet questions derived from information in public records similar to the information contained on your credit report. These questions are randomly selected from the data available. This replaces the three fixed questions you originally selected that never changed and didn't provide adequate security measures.
5. What if I answer one of the three new security questions wrong?
If you answer one of the three security questions incorrectly, you will be presented with a mini quiz of two additional questions. Both these questions must be answered correctly. If you do not answer these two questions correctly, you will be presented with a new set of three questions to start the authentication process over again.
6. Am I limited in the number of times I attempt to answer the security questions correctly?
If you have exceeded seven (7) attempts to correctly answer the questions posed, you cannot access Mobile Banking for 24 hours. You will still be able to access Online Banking through your computer. After the 24-hour waiting period, you may register your phone on the new Mobile Banking App by answering the security questions correctly.
7.What happens if I don’t have enough public data for the security questions?
In some instances, the presentment of public record data as Out-of-Wallet security questions is not possible due to the lack of public data available. If public data is not located for you, you will enter your name and birth date as prompted. You will be prompted with a mini quiz to provide the last four (4) digits of your Social Security number and your Zip Code. Once this information is verified to be accurate, you will be prompted to complete your phone registration.
8.Why do I have to register my phone on the new Mobile Banking App?
The Next Generation Red River Bank Mobile App has new security features as required by the Federal Financial Institutions Examination Council's (FFIEC) guidance to reduce the risk of fraud against you. Your mobile device needs to be recognized by the new security component in Mobile Banking.
9. I've already downloaded the new App and registered my phone. Why am I being asked to answer three security questions again?
Changes and/or updates to your phone may require you to identify yourself again by correctly answering three Out-of-Wallet security questions. Some phone software updates may change the configuration of your phone so that Mobile Banking security doesn't recognize it.
10. I don’t use the Mobile Banking App. I only use Text Banking. Are there any changes for me?
Yes, after May 19, 2014, all phones must be registered with the new Mobile Banking security component. To register your phone for Text Banking, go to the Mobile Banking tab in an Online Banking session on your computer. Request a new activation code and use the activation code to register your phone in the new Mobile Banking security.
Also, for Text Banking the SMS Short Code will change from 79022 to 49794.
11. The navigation in the new App is different? How do I get to options such as Transfers and Bill Pay?
In the upper left corner of the Mobile Banking screen is a box containing three white lines. Touch that box and all options will be displayed.