Find Peace of Mind

We care about your safety and security. 


Total Identity Monitoring

Comprehensive ID theft monitoring and recovery services. For primary account holders at no cost.

Initial Risk Assessment

We’ll run an assessment of your risk for identity theft.

Continuous Monitoring

Monitoring of over 1,500 public and nonpublic databases, including the Dark Web, to seek anomalies and fraudulent activity.

Suspicious Activity Notifications

We proactively alert our customers when our advanced technologies suspect a hint of fraud.

ID Theft Recovery

Our team of professional investigators and recovery advocates will make the necessary calls and fill out the required documents to return you to pre-theft status.

Sign Up Today & Get Secure

After you open a Richwood Bank consumer checking account, Recovery Services will automatically be effective. To enroll in Total Identity Monitoring, coverage becomes effective once you sign up online.

To sign up at no cost, an Access Code is needed. Call us at 740.943.2317, visit us at any of our bank locations, or chat us online.

Already have an account? Login here.


Number of U.S. consumers who were victims of identity fraud in 2017.


Average amount of money identity theft victims pay in out-of-pocket costs.


Average amount of hours victims spend on resolving identity theft.

Five Online Security Habits to Minimize Your Risk


Sign up for account alerts everywhere.

When it comes to receiving alerts about your banking account. We recommend using our CardValet app. It allows you to receive immediate notifications about your account activity.

Turn on two-factor authentication wherever possible.

Enabling two-factor authentication on sites that have that capability, where a separate action must be taken beyond providing a user name and password to access an account, can make it significantly more difficult for fraudsters to take over your accounts. We also recommend proactively changing your password for Richwood's Online Banking every 90 days.

Secure your devices.

We increasingly rely on our digital devices to make purchases and share personal information. Criminals have shifted their focus to these devices to steal your information and accounts. You can help secure your online and mobile devices by instituting a screen lock, avoid using public Wi-Fi or using a VPN, encrypting data stored on your device, and installing anti-malware.

Place a security freeze.

If you are not planning on opening new accounts in the near future, a freeze on your credit report can prevent anyone else from opening one in your name – which is especially important if you have been a victim of data breach that has exposed sensitive personally identifiable information. Credit freezes must be placed with all three credit bureaus and prevents everyone except for existing creditors and certain government agencies from accessing your credit report. While costs vary per state, typically each bureau costs below $20. Should you need to open an account requiring a credit check, the freeze can be lifted through the credit bureaus.

Protect yourself from unauthorized online transactions.

As EMV makes fraud at physical stores more challenging, fraudsters are moving to target online merchants. Richwood Bank offers alerts for online transactions, and the ability to institute limits on online transactions, through our CardValet app. As a default, all of our customer’s daily debit card limits are set at $200 to help lower the risk of fraud. This limit can be increased temporarily or permanently.

Instantly keep tabs on suspicious card activity.


Long-Term Banking

Our accounts are always free and require no minimum balance, but when you do three specific things each month – you qualify for additional rewards!

Switch Kit

Switch Without a Glitch

Everything you need to begin the switch process. We’ll even do all the heavy lifting.