Customer Service
If your GRB debit card is lost or stolen, please contact us in one of the following ways:
- During business hours, call 585-663-8930
- After business hours, call 800-754-4128
- Login to GRBonline and go to Account Options > ATM/Debit Card to deactivate online
All bank deposits are now insured by the FDIC to $250,000 per depositor, through December 31, 2013. To learn more about how deposits are covered by FDIC insurance, go to My FDIC Insurance.
GRB is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2010, all noninterest-bearing accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage under the FDIC's general deposit insurance rules.Noninterest-bearing transaction accounts include GRB's noninterest-bearing checking accounts, Interest on Lawyers Trust Accounts, and NOW accounts with annual percentage rates less than 0.25%.
12/15/10 Update: Notice of Changes in Temporary FDIC Insurance Coverage for Transaction Accounts
All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.
The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, money-market deposit accounts, and Interest on Lawyer Trust Accounts (IOLTAs). For more information about temporary FDIC insurance coverage of transaction accounts, visit FDIC.
Federal financial regualtors are reporting that Internet threats have changed significantly over the past several years. Sophisticated hacking techniques and growing organized cyber-criminal groups are increasingly targeting financial institutions, compromising security controls, and engaging in online account takeovers and fradulent electronic funds transfers.
In order to ensure the security of your online transactions, we want you to know that:
- We will never email, call, or otherwise ask you for your username, password, or other electronic banking credentials
- You can help protect yourself by implementing alternative risk control processes like:
- Making sure you choose an adequate user name and password that, at minimum, mixes in small case letters, upper case letters, and numbers
- Periodically changing your password (e.g., at least every 90 days)
- Safeguarding your username and password information
- Having current anti-malware and anti-virus software
- Making sure you have a firewall in place when conducting your financial transactions
- Logging off the system when you're done conducting business (don't just close the page or "X" out of the system)
- Monitoring your account activity on a regular basis
In addition, we may require owners of commercial accounts to perform their own rish assessments and controls evaluations. For example:
- Make a list of risks related to online transactions that your business faces including:
- Passwords being written down and left out in the open
- The use of old or inadequate passwords
- The possibility of internal fraud or theft
- Delays in terminating the rights of former employees
- The lack of dual controls or other checks and balances over individual access to online transaction capabilities
- An evaluation of controls your business uses may include:
- Using password protected software to house passwords
- Conducting employee background checks
- Initiating a policy and process to terminate access for former employees
- Segregating duties among two or more people so no one person has too much access or control
- Conducting internal or third party audits of controls
- Using firewalls to protect from outside intrusion or hackers
Federal regulations provide consumers with some protections for electronic fund transfers. These regulations generally apply to accounts with Internet access. For example, these federal laws establish limits on a consumer's liability for unauthorized electronic fund transfers. They also provide specific steps you need to take to help resolve an error with your account. Note, however, that in order to take advantage of these protections, you must act in a timely manner. Make sure you notify us immediately if you believe your access information has been stolen or compromised. Also, review your account activity and periodic statement and promptly report any errors or unauthorized transactions. See the Electronic Fund Transfer disclosures that were provided at account opening for more information on these types of protections. These disclosures are also available from GRB - ask us and we will gladly provide you with a copy.
If you become aware of suspicious account activity, you should immediately contact the authorities and contact is at the number listed below.
By phone: 585-249-1540
Online: click here
By mail: 190B Linden Oaks, Rochester, NY 14625
