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Beware of Scammers Asking for Your Online Banking Credentials.  Never share your online banking User ID, Password or One-time passcode with anyone.  To learn more about fraud prevention, please click here.


Online Banking

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Business Online Banking

Business Online Banking gives you the ability to establish multiple users within your company and tailor each employee's access level based on your security needs.

Access your accounts Anytime...Anywhere!

  • Transfer funds between Rio Bank accounts
  • Make loan payments
  • View current transactions, images of checks and deposit slips
  • Access prior 24 months bank statements
  • Place stop payments on checks
  • View and set up Notifi alerts

Allow multiple user access with the added capabilities of:

  • Customizing authorized user access
  • Setting authorized user access limits
  • Review and Approve transactions scheduled including Fund transfers, Wire transfers and Bill Payments

Wire Transfers – Upon Approval, Fees may apply.

Not enrolled in Business Online?

Contact your banker to get enrolled today (956) 631-7890 or visit a branch near you.


Business Bill Pay

Control and manage your finances and monthly bills with a click of a mouse. Just sign in to Online Banking to access the Online Bill Pay feature anywhere, anytime—24 hours a day 7 days a week. If you are not currently an online customer, contact a Rio Bank to enroll in Online Business Banking.



Positive Pay:

Positive Pay is a powerful fraud prevention tool used by business customers to protect against check  fraud. Rio Bank’s Positive Pay Service helps your business detect suspicious transactions, reducing the risk of financial loss and safeguarding the reputation of your business.


  • Catch fraudulent activity before the money leaves your account
  • Automatically compares checks presented for payment to those in your check issued file
  • Sends alerts when a mismatch occurs
  • You decide whether or not to approve the payment
  • Timely return of money should fraud occur
  • Enjoy increased peace of mind knowing your information is receiving increased security

How does Positive Pay work?

Your business uploads a file containing issued check data into the Positive Pay system. Checks presented for payment against your account are compared to those issued by the business. Any check not on the issued check list (and potentially fraudulent) is sent to you as an exception for examination. The business logs in to the Positive Pay system, reviews the exception item and makes a "pay" or "return" decision for each item.



 Can multiple users access Positive Pay?

Yes, Rio Bank will designate administrator users for the Positive Pay service.









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