CONFIGURE DIGITAL℠ - DIGITAL BANKING FAQs

At RiverHills Bank we understand life is busy and convenience is of utmost importance. With this in mind, our new Digital Banking will offer seamless banking solutions built for the way you want to bank, whether you are at home or on the go.

The upgrade will take place during the 5th through the 7th of December. Bill Pay, Transfer Now, Internal Transfers, Wires and ACH will be unavailable beginning in the morning of the 5th of December. At the end of the day on the 5th Online Banking and Mobile Banking will be placed into Inquiry only mode. Beginning on the morning of December 6th all Online Banking and Mobile Systems will be unavailable for the entire weekend. The new system will go live at 10:00 AM on Monday, December 8th.

Most of your account details will be saved and ready for you to use. This includes transaction history, bill pay payee information, scheduled transfers and internal transfers, as well as eStatement settings.

Alerts, card controls, and external transfers will not transfer to the new system. You will need to make note of or save this information for your records prior to December 5th . These settings will need to be set up again once the new system is live.

Yes, we will be launching a NEW Mobile Banking app as part of the upgrade. This will be available for download on December 8, 2025.

You can access the new Mobile Banking app in two ways:

Through our Current Mobile Banking app

Open our current Mobile Banking app and be redirected to download the new Mobile Banking app. Once downloaded, you can log in with your existing User ID and Password.

OR

Direct Download

Search for RiverHills Bank within your device’s app store and download the new app. Then log in with your existing User ID and Password.

Once the new app has been downloaded, you should delete the old app.

No. Once the new system is live, you will be able to login using your existing User ID and Password. Upon your first login you will have the option to select a text or phone call with a one-time passcode to verify your identity. You will simply enter this passcode into the system and submit to securely log in.

If you utilize biometrics to access your digital banking, you will need to be sure you know your User ID and Password prior to our go-live date. You will be required to enter these within the new system the first time you log in.

After you have logged in, you can reestablish your biometrics for future logins.

If you are unsure of your User ID, please contact us at 513-201-2201 for assistance.

If you are unsure of your Password, you can easily reset it by selecting “Forgot Password” from the Online Banking login screen and following the on-screen prompts.

Yes! It is very important that we have your current phone number and email address. Please review and update this information within your Online Banking Profile as soon as possible to ensure a smooth first-time login.

Also, alerts, card controls, and external transfers will not transfer to the new system. You will need to make note of or save this information for your records prior to December 5, 2025.

You will need to re-establish any alerts, card controls, and external transfers you had set up in the previous system as this information did not transfer.

Please note, while your internal transfers will be available within the new system if you would like to make edits to these you will need to set up the transfer again and delete the old one.

With Online Banking, you can:

• Pay bills or send money to family, friends, or anyone else you know.

• Access your accounts on the go with our NEW Mobile Banking app.

• Transfer funds between your personal accounts or to accounts at other financial institutions.

• Track expenses, create budgets, and set financial goals with our personal finance manager.

• Protect, control, and manage your cards.

• Guard your accounts against fraud and stay informed with customized account alerts.

No, Online Banking is free.

We have taken significant measures to ensure that our system meets the latest security standards, including the latest security encryption methods and software.

Online Banking lets you access checking and savings accounts as well as any loans you may have with us.

You can enroll online or through our Mobile Banking app. If you have questions about enrollment, contact customer/member service at 513-201-2210.

Paying bills online saves time and money with no checks to write or mail. Plus, it helps you keep track of all the bills you pay, lets you schedule auto bill payments and pay virtually any bill – utilities, mortgage, even your lawn care service – with just a few clicks.

Bill Pay is fully secure. Security experts recommend Bill Pay to help protect against check fraud and identify theft. We use multiple layers of online security to protect your information.

Bill Pay can only be used with a checking account.

Our Bill Pay service is free.

You can make payments to virtually anyone using our Bill Pay system. Exceptions include tax payments, court ordered payments, payments to payees outside the United States, or payments to other institutions for the purpose of making a deposit.

Payments made to electronic payees are delivered within 2 days, while payments issued by check are delivered in 5 days. Note, when you schedule a payment the payment calendar indicates the earliest available payment date.

You can make one-time or recurring payments through Bill Pay.

Payments can be set up as much as 365 days in advance. Recurring payments can be scheduled to occur over any time period in the future, including indefinitely.

Your account will be debited on your scheduled payment date.

Yes. Payments are sent on the day they are scheduled. This means that standard overdraft fees may apply if there are not sufficient funds in your account to cover the payment(s).

Yes, you can change a scheduled payment at any time before it is processed. Payments may be processed up to 5 days in advance of the payment due date entered. The system displays an error message if you attempt to modify a payment after it has been processed.

Just log into Online or Mobile Banking, click “Bill Pay,” and complete the enrollment form. Once your enrollment is received and processed (approximately 3 business days), you’re ready to start using Bill Pay. You must be enrolled in Online Banking before you can enroll for Bill Pay.

Account alerts are notifications sent to you when important events occur within your accounts.

You can set up alerts for low account balance, loan due dates, cleared deposits, general account information, and much more. Log into Online Banking and select “Alerts” from the main page to see all available alert options.

Alerts can be received via email, text message, or through online banking.

Setting up your alerts is easy. Simply select “Alerts” from the main Online Banking page, then “Alert Options.” To add an alert, select a topic from the list, the type of alert you’d like to add, an amount if applicable, how you would like to receive the alert, then save.

There is no charge for using Alerts.

Account holders enrolled for Online Banking automatically have access to transfers.

You can set up both one-time and recurring transfers.

Yes, with our external transfer service you can transfer funds to and from your accounts at other U.S. financial institutions.

There is currently no charge for external transfers.

Transfers are only available to accounts inside the United States.

Personal Finance Manager is a powerful suite of budgeting, planning, and financial goal setting tools all in one convenient location. It’s like having a personal assistant helping you plan a budget, track your progress towards saving goals, watch your spending, monitor your accounts 24/7, send alerts, and keep track of your finances every day.

From the Dashboard you can get a snapshot of your current financial status, including cashflow, net worth, personal budgets, and savings goals. You can also see alerts, recent activity, and a breakdown of your assets.

The Budget feature enables you to enter in your monthly income and expenses. Our system provides a comprehensive list of categories for each that make it easier for you to be sure that all your finances are included.

You can easily add custom categories into the system under the Categories feature. These can be edited at any time.

Yes. Personal Finance Manager lets you add accounts from other financial institutions, investments, or other income that is part of your monthly cash flow.

Yes. From the Dashboard, you will be able to not only keep track of your financial accounts, but also add the value of your home and other real estate property to provide a clearer picture of your net valuation.

Yes. If you use accounting software or a spreadsheet to keep a check register or other records, the transactions can be exported as either a .CSV or Excel file.

Setting savings goals is an important part of achieving any life goals that require you to save money, for example a new car, a down payment for a new home, or that dream vacation. Our Goals feature makes it easy. Simply give your goal a name, enter an amount, set a target end date, select your preferred account, and the percentage of money within the account you’d like to set aside for the goal. That’s it! Your personal finance manager will start tracking your progress towards the goal.

No, this is included as part of our Online Banking service.

Mobile Banking enables you to view real-time account balances & activity, transfer funds, pay bills, make deposits and more all while on the go, helping you meet your everyday banking needs.

Our Mobile Banking service is free. Message and data rates may apply from your mobile service provider. Our standard fees will apply to other services accessed via Mobile Banking.

Yes.

You do not need to sign up for Mobile Banking.

Mobile Banking can be accessed as follows via any mobile device.

· Mobile Banking app: Once you have downloaded and installed the app, simply log in using the same username and password used for Online Banking.

· Mobile Browser: From your mobile browser, log in to Online Banking at www.rhb24.com using the same credentials.

The app can be found by searching for RiverHills Bank within your mobile device’s app store. Once downloaded, simply use your Online Banking credentials to log in.

Yes. To add a new payee to your list, log into our Mobile Banking app to access this Bill Pay feature.

If you've forgotten your Online/Mobile Banking password, simply select the “Forgot Password?” option and follow the steps to reset your password.

From our Mobile app, simply select “Deposits” from the menu, enter the amount of the deposit, endorse the physical check, and take a photo using the camera on your mobile device of the front and back of the check and submit. That’s it!

Be sure that the back of the check is endorsed, as usual, and include the words “For Mobile Deposit” to identify the check as a Mobile Deposit.

Funds from Mobile Deposits are generally available on the next business day after they are received, just like typical deposits.

We recommend securely storing the check for 14 business days, then destroying the original paper check.

Any check drawn from a U.S. financial institution can be deposited. The following items cannot be deposited: international checks, U.S. saving bonds or postal money orders, third-party checks.

Yes. Mobile Deposit limits apply to per check amounts as well as a daily total limit of $5,000 for overall deposits.

Our card management options allow you to:

· Lock/unlock your cards

· Limit transactions by location, merchant, transaction type or dollar amount

· View subscriptions tied to a card and see where cards are stored online

· Stay informed with alerts

· View your spending via easy-to-read graphs

· Get in-depth transaction details

· Report lost or stolen cards

· Quickly identify and report fraudulent transactions

· Set up and manage travel plans

· Activate your card when it arrives

Simply log in to our Mobile Banking app and tap “Cards” to get started.

Verify in your App Store that you have the most current version of our app installed. If an update is needed, you will see “Update” in the App Store.

Yes, multiple cards from our institution can be accessed via one Mobile Banking account.

Transactions made with your cards are enriched and displayed. Teller transactions, wire transfers, and payments made via Bill Pay and ACH are not included. Enriched data includes the merchant’s name, logo, address and more.

“Recurring Payments” are those payments that happen repeatedly on a schedule, for example, streaming subscriptions, cellular bills, or other monthly bills you pay with your card. “Card on File” is a list of merchants who store your card information for future purchases, like online retailers or delivery apps.

Select the transaction to view its details. If it was an in-person transaction, you should see a Google Map of the actual location the transaction took place. If you still don’t recognize the purchase, you can reach out to the merchant from the phone number listed on this screen.

Via our Mobile app, you can lock or unlock your card if you suspect fraud or misplace your card. You can even report lost and/or stolen cards without ever having to call a customer service number. Even limit transactions by location, merchant, and transaction type to control how your card is used. Plus, set up alerts to stay informed.

Yes. You can block multiple types of transactions. International transactions are already blocked by RiverHills Bank and can only be done by setting up travel exemptions in the cardhub or by calling your local branch.

Previously authorized recurring payments will not be affected by the card controls.

Control and alert settings take effect immediately.

Alerts are sent as push notifications on your device. The alerts will also appear under “Messages” in the app.

The app allows you to set two travel plans at a time with a maximum duration of 90 days. If your trip exceeds this or you are travelling more than two times, you will need to update the app after each trip or after 90 days.