Account & Security

Articles

• How Can I Bank Safely Online and on Public Wi-Fi?
  A few habits keep your online banking secure: strong sign-in, the official app, careful use of public Wi-Fi, and alerts. Here is a practical checklist.
• How Do I Add a Joint Account Holder or Authorized User?
  Adding a joint account holder or authorized user allows another person to access and manage your RMO account. Here is how each option works.
• How Do I Close My RMO Account?
  If you need to close an RMO account, here is what you should know and how to proceed. Before Closing: Ensure your account balance is zero or arrange to transfer remaining funds to another account.
• How Do I Update My Personal Information?
  You can update your personal information anytime through MyRMO to keep your accounts accurate and secure.
• How to Protect Your Account from Scams and Phishing
  Scammers use phone calls, emails, text messages, and fake websites to trick people into revealing personal and financial information. Here is how to protect yourself.
• What Are Common Scams and How Can I Avoid Them?
  Imposter, romance, fake-check, and tech-support scams all use the same playbook. Learn the warning signs and how to protect yourself.
• What Happens to an RMO Account When the Account Holder Passes Away?
  When an RMO account holder passes away, what happens next depends on how the account was owned. Here is an overview for families and executors.
• What Is a Dormant or Inactive Account?
  An account becomes dormant after a long stretch with no activity. Here is what that means, and how to keep your account active or reactivate it.
• What Is a Payable-on-Death (POD) Beneficiary?
  A payable-on-death designation lets your RMO deposit account pass directly to someone you name, without going through probate.
• What Is Card Skimming and How Can I Avoid It?
  Card skimming is when criminals attach hidden devices to card readers to steal your card data. Here is how to spot and avoid it.
• What Should I Do If I'm a Victim of Identity Theft?
  If someone has used your identity, act fast. Here is a step-by-step recovery plan and the official federal resources.
• What Should I Do If I Suspect Fraud on My Account?
  If you notice unauthorized transactions or suspect your RMO account has been compromised, act quickly to protect your finances.
• Will RMO Ever Ask for My Password or Verification Code?
  No. RMO will never ask for your password, PIN, or one-time verification code. Here is how to recognize an impostor.