Your Liability Regarding Fraudulent Activity (you may also refer to your ‘Online Banking Agreement’)
Tell us AT ONCE if you believe that any Access ID or Password, or other access codes you use for Online Banking or Bill Payment has been lost or stolen, or used without your permission. The best way to contact us is by phone at (866) 4-BANKRI weekdays from 8 a.m. to 8 p.m., and Saturdays 9 a.m. to noon.
You can lose no more than $50 if you notify us of the loss or theft within 2 business days after you discover it.
You will be liable for unauthorized Online Banking or Bill Payment transactions from your account to the extent allowed by applicable federal and state law and your Online Banking Agreement.
In Case of Errors or Questions (you may also refer to your ‘Online Banking Agreement’)
If you notice an Online Banking error on your statement, call or write to us no later than sixty (60) calendar days after we sent the FIRST statement on which the problem appeared. We will need:
- Your name and account number
- A description of the error and explanation of why you believe it is an error
- The dollar amount of the suspected error and date on which it occurred
If the report was made by phone or in person, we will require that you send the complaint in person within ten (10) business days following the date you notified us.
Bill Payment questions can be directed to our Bill Pay Support Center at 866-266-6812 (weekdays from 7:30 a.m. to 11:00 p.m. Eastern Time)
Your Responsibility
You are responsible for keeping your online password, account numbers, personal identification information, and other account data confidential.
BankRI cannot be responsible for customer errors or negligent use of the service and will not cover losses due to:
- Input errors or misuse of the service
- Negligent handling or sharing of passwords leading to unauthorized access to accounts
- Leaving a computer unattended during an Online session — click ‘Log Off’ to end your session
Protect your password:
- Make your Online Banking password different from any other password you use
- Memorize your password and never write it down or reveal it to anyone
- Do not let other people use your password
- Change your password frequently, to do so, select the ‘Change Password’ option in our Online Banking session
- Always click ‘Log Off’ to end your session
System Requirements
BankRI safeguards your Online Banking sessions by checking your Internet line with each log-on to verify your connection is secure. Additionally you will be asked for your Access ID and Password each time you access the service.
If your computer terminal is left idle for more than a few minutes, your access will be disconnected until you log-on using your Access ID and Password.
Online Banking sessions are protected by firewalls between our systems and the Internet.
Virus Protection
BankRI is not responsible for any electronic virus or viruses that you may encounter. We suggest that you routinely scan your personal computer using a virus protection product. An undetected virus may corrupt and destroy your programs, files and hardware.
128 – Bit Encryption
In order to provide you with maximum security during your Bank Rhode Island secure sessions, we require that you use a browser capable of 128-bit encryption. Encryption is the scrambling of information as it is transmitted over the Internet to ensure your privacy and confidentiality.
Click on any of the website addresses below to be upgraded with 128-bit encryption. The upgrade will take approximately 15 minutes to 2 hours depending upon the speed of your modem.
This is a safer and more secure way of doing your banking over the Internet. We feel that the value of your security outweighs any inconvenience a delay may cause.
To download the latest 128-bit version of Microsoft Internet Explorer or the 128-bit encryption patch to your current version, you may go to: http://www.microsoft.com/windows/ie/downloads/default.asp
For America Online Users:
To download 128-bit encryption, go to Keyword: 128 browser. Follow the directions that appear on your screen. For further assistance call AOL’s Customer Service number at 1-800-827-6364.
How to Contact Us
- Call:
(866) 4-BANKRI weekdays from 8 a.m. to 8 p.m., and Saturdays 9 a.m. to noon
- Write:
Bank Rhode Island
Internet Banking Department
P.O. Box 9488
Providence, RI 02940-9488
- Email:
customerservice@bankri.com (a representative will contact you by the next business day) DO NOT INCLUDE ANY SENSITIVE INFORMATION INCLUDING SOCIAL SECURITY NUMBER OR ACCOUNT INFORMATION