Grand River Bank
Notice Regarding Windows XP End of Life 

Effective April 8, 2014, Microsoft discontinued extended support for its Windows XP operating system.  Microsoft will no longer provide regular security patches, technical assistance, or support for XP.   Security updates patch vulnerabilities that may be exploited by malware and help keep users and their data safer.  PCs running Windows XP after April 8, 2014, should not be considered to be protected. 

Due to the potential risk of data theft and unauthorized additions, deletions, and changes of data this presents, Grand River Bank has updated its minimum standards and XP no longer meets the minimum requirements.  We strongly recommend our online banking customers migrate to a current supported operating system, such as Windows 7, for continued security updates and protection from malicious computer attacks, and to ensure continued support of our online related products and services. 

The following are Grand River Bank’s minimum system requirements for online banking: 


Dual Core Intel Xeon E5520 (2.26 GHz)


2 GB

Operating System

Windows 7 Standard (32 and 64-bit)

Windows 8 Standard 64-bit (MSC Only)

Drive Configuration (Raid 5/SAN)

60 GB System Drive (C:)

Web Browser

Internet Explorer 7, 32-bit

Internet Explorer 8, 32-bit

Internet Explorer 9, 32-bit & Compatibility View

Internet Explorer 10, 32-bit & Compatibility View




Grand River Bank
Your Right to Privacy
Important Information to Know

 Grand River Bank's Privacy Notice


Consumer Financial Protection Bureau Alerts

Watch accounts closely when account data is hacked and report suspicious charges. For more
information click here


Grand River Bank`s FFIEC Guidance Internet Banking Brochure

If you are a business customer please download our brochure here.
If you are a consumer customer please download our brochure here.


FinCEN Alerts

FinCEN Fraudulent Correspondence and Phone Call alert. For more information please see the official alert by clicking here.


Business Online Banking Security

Protecting Personal Information: A Guide for Business


Online Safety

 For information regarding online safety please visit



Protect Yourself Against Phishing
Phishing usually comes in the form of fraudulent emails that appear to come from legitimate sources. These ask customers to verify personal information or link to counterfeit Web sites that appear real.

Watch for emails that:

  • Urge you to act quickly because your account may be suspended or closed, or to update your personal information.
  • Don't address you by name, but use a more generic one like "Dear valued customer."
  • Ask for account numbers, passwords, Access IDs, or other personal information.

We will NEVER ask for sensitive information, such as account numbers, access IDs or passwords, via e-mail.

Tips from the American Bankers Association for safeguarding your information:

  • Do not give your Social Security number or other personal credit information about yourself to anyone who calls you.
  • Tear up receipts, bank statements and unused credit card offers before throwing them away.
  • Keep an eye out for any missing mail.
  • Do not mail bills from your own mailbox with the flag up.
  • Review your monthly accounts regularly for any unauthorized charges.
  • Order copies of your credit report once a year to ensure accuracy. You may call 1-877-322-8228 for a free credit report from any or all three credit reporting agencies.
  • Do business with companies you know are reputable, particularly online.
  • Do not open email from unknown sources and use virus detection software.
  • Protect your PINs (don’t carry them in your wallet!) and passwords; use a combination of letters and numbers for your passwords and change them periodically.
  • Report any suspected fraud to your bank and the fraud units of the three credit reporting agencies immediately.
    TransUnion: (800) 680-7289
    Experian: (888) 397-3742
    Equifax: (800) 525-6285

If you become a victim, contact:

  • The fraud departments of the three major credit reporting agencies
  • The creditors of any accounts that have been misused
  • The local police to file a report
  • The bank to cancel existing accounts held in your name and re-open new accounts with new passwords

We are committed to safeguarding our customers’ financial information. Maintaining our customers’ trust and confidence is a top priority. To learn more about how we protect your information,  please review our privacy policy.

Identity Theft

What is identity theft?
Identity theft occurs when someone acquires your personal information and uses it without your knowledge to commit fraud or theft. It is a serious crime and cases are growing. An all-too-common example is when an identity thief uses your personal information to open a credit card account in your name.

No matter how cautious you are, there is no way to completely prevent identity theft from occurring. But there are ways you can help minimize your risk. This page contains valuable information on how you can protect yourself by managing your personal information wisely, the warning signs of identity theft, and what to do if you do become a victim.

Helpful Tips

  • Don't give out personal information on the phone, through the mail or over the Internet unless you've initiated the contact or are sure you know whom you're dealing with.
  • Don't carry your Social Security card with you; leave it in a secure place. Carry only the identification and credit and debit cards that you need.
  • Don't put your address, phone number, or drivers license number on credit card sales receipts.
  • Social Security numbers or phone numbers should not be put on your checks.
  • Shred your charge receipts, copies of credit applications, insurance forms, physician statements, checks and bank statements, expired charge cards that you're discarding, and credit offers you get in the mail.
  • Secure your credit card, bank, and phone accounts with passwords. Avoid using easily available information like birth date, the last four digits of your SSN, or your phone number. When opening new accounts, you may find that many businesses still have a line on their applications for your mother's maiden name. Use a password instead.
  • Secure personal information in your home, particularly if you have roommates or hire outside help.
  • Promptly remove mail from your mailbox. If you're planning to be away from home and can't pick up your mail, call the U.S. Postal Service at 1-800-275-8777 to request a vacation hold.
  • Ask about information security procedures in your workplace. Find out who has access to your personal information and verify that records are kept in a secure location. Ask about the disposal procedures for those records as well.
  • Before revealing any personally identifying information (for example, on an application), find out how it will be used and secured, and whether it will be shared with others. Ask if you have a choice about the use of your information. Can you choose to have it kept confidential?

Why is it important to review your credit report?

Your credit report contains important information about your current and past credit and payment history. Negative
information in your credit report will lower your credit score, which could affect things such as qualifying for a loan or
insurance or even getting a job. When you review your credit report make sure to check for accuracy and report any
errors or discrepencies to the credit bureau.

Guard against Identity Theft

It is recommended that you check your credit report at least annually. Victims of identity theft often do not know they are victims
until their credit reports reveal the evidence that someone else has used their personal information to open accounts in their name.

For more information on accessing your free credit reports, visit the Federal Trade Commission's web site or request your
free credit report in any of the following ways:

1. Online at

2. By calling toll-free 1-877-322-8228

3. Mail your request to:
    Annual Credit Report Request Service
    PO Box 105281
    Atlanta, GA 30348

Internet Banking Security Measures We Employ

  • Multiple layers of encryption, firewalls, screening, and filtering routers.
  • Secure sessions established through Secure Socket Layers (SSL).
  • Use of 128-bit capable encryption protocol.
  • Login ID and User passwords.
  • Strong password requirements.
  • Sessions are “timed out” after a specified period of inactivity.
  • Security procedures audited by external certified examiners.
  • Security penetration testing routinely performed by independent security firm.

Internet Security Best Practices for You

You can take a few precautions to protect yourself from other online threats:

  • Install a Firewall, anti-virus software, and anti-spyware and keep your virus definitions and browser and security software current.
  • Exercise reasonable care when downloading software and opening email attachments.
  • Have your computer analyzed by a qualified technician if you suspect your computer is running abnormally, you are receiving an unusual amount of “pop-up” pages, or you notice that you are being redirected to other web pages.
  • Beware of using non-encrypted wireless connections with computers, phones, and portable devices to send sensitive information from public wireless locations or even from home wireless networks. Using scanning devices, individuals can intercept unencrypted signals and view or obtain your information.
  • Beware of “shoulder surfers” while using a computer in public areas who may be trying to intercept your passwords or information.
  • Use strong passwords with a combination of uppercase and lowercase letters, numbers, and symbols. Change passwords periodically and always change pre-assigned temporary passwords. When creating PINs and passwords, do not use birth dates, addresses, phone numbers, etc. that are easily guessed from personal information.
  • Never use the “save ID and password” option in your browser at home, or on a laptop or public computer.
  • Do not email personal and financial information to non-secure sites. Because of the potential for loss, avoid storing personal information on a laptop computer.
  • Properly dispose of old computers and ensure all sensitive information is removed from the hard drive. Reformatting the hard drive may not be sufficient - use specialized software to erase information.
  • Review your bank statements closely. Make sure there are no transactions that you can’t account for and that all of the decimals are in the right spots. If you find any problems contact us immediately.
  • FDIC video “Don’t be an Online Victim”. Go to and select Identity Theft to view an informational video from the FDIC on how to protect your identity while using the internet.
  • Other sources of information Onguard Online,,

If you are a customer who has provided sensitive account or personal information in response to an unsolicited Grand River Bank email or phone call, immediately contact Grand River Bank at 888-929-GRB3 (4723). We are available to serve you Monday through Thursday from 8 AM - 5 PM and Friday from 8 AM - 5:30 PM.