The Rockhold, Brown & Co. Bank
  BAINBRIDGE OFFICE: (740) 634-2331  ADDRESS +           HILLSBORO OFFICE (937) 402-2040  ADDRESS +  
The Rockhold, Brown & Co. Bank


Call 740-634-2331 option 3 for assistance
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60 Month 1.40% 1.40%
48 Month 1.05% 1.05%
36 Month 0.60% 0.60%
24 Month 0.45% 0.45%
12 Month 0.20% 0.20%
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Substantial penalties apply for early withdrawal. Fees may reduce earnings.
Low auto loan interest
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Call 740-634-2331 menu option 4 for more information.
Home loan interest rates may change daily. The Rockhold, Brown & Co. Bank is very competitive with its Home loan interest rates. Please call 740-634-2331 extension 127 (Tonya) or extension 114 (Jeff) for our current offerings.
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The Rockhold, Brown & Co. Bank
Online Security Center

The security of your personal information is a top priority at The Rockhold, Brown & Co. Bank. Please familiarize yourself with the following information to understand how we protect your privacy and how you can protect yourself from fraudulent activity.

What should Customers do if they receive a suspicious call or email?

  • The Rockhold, Brown & Co. Bank will NEVER ask you for your account number(s), User IDs, passwords, or debit or ATM card information by email or in a phone call initiated by us (if you call us, we may need to verify some pieces of information but this will NEVER include asking you for any of your passwords).

  • If you receive such an inquiry from someone claiming to be from The Rockhold, Brown & Co. Bank, do not respond to the email or call the number provided by the email or call.

  • If you are unsure of the authenticity of any inquiry, call us at our Main Office (740-634-2331 or 888-560-9018 menu option 3), and DO NOT call the number in the email or phone message.

  • If the email appears to be an attempt at Phishing (for a definition of Phishing, see below) using The Rockhold, Brown & Co. Bank’s corporate identity, contact us immediately at 740-634-2331 or 888-560-9018 menu option 3. You can then forward the email to the Anti-Phishing Working Group at:

  • Be sure to delete suspicious emails from your Inbox and clean out your Deleted Items folder.

  • If you have responded and provided information, contact us immediately at 740-634-2331 or 888-560-9018 menu option 3, and we will determine what steps to take to protect your information.

How We Protect Your Information

The Rockhold, Brown & Co. Bank understands how important it is that your data and your online banking activities are safe and secure. The Bank employs the latest technology to ensure a secure online banking experience.

The Rockhold, Brown & Co. Bank uses industry-standard technology, including data encryption using 128-bit Secure Sockets Layer (SSL) protocol, and firewalls. Each security component acts as a layer of protection to safeguard sensitive data from unauthorized users.

  • User IDs & Passwords

    • A user ID and password is required to log into our Online Banking platform.
    • You will be required to change your password periodically to further secure your account access.
    • You must answer security questions when enrolling for Online Banking.
    • You should NEVER share your user ID or password or the answers to your security questions with anyone.
    • You are responsible for the safekeeping of your password and you agree not to disclose or otherwise make the password available to anyone who is not authorized to sign on your accounts.
    • If you log in to an online banking session and then leave your computer, our system will log you out automatically after 20 minutes of inactivity.

  • Data Encryption

    • Once you have logged in correctly, you will enter a secure environment in which you can conduct your transactions safely.
    • Information you provide while logged into Online Banking is encrypted, meaning your account information is encoded as it moves between your computer and The Rockhold, Brown & Co. Bank’s computer systems. This makes information nearly impossible for anyone other than The Rockhold, Brown & Co. Bank to read it. Any information The Rockhold, Brown & Co. Bank provides to you is also encrypted.

  • Firewalls

    • The Rockhold, Brown & Co. Bank is protected by a series of firewalls which verify the source and destination of the requests coming into the Bank’s servers.
    • A firewall is set up to deny any unauthorized traffic. Firewalls are designed to only allow legitimate data through to The Rockhold, Brown & Co. Bank systems.

  • 24/7 Debit & ATM Card Fraud Monitoring

    • The Rockhold, Brown & Co. Bank cardholders are protected by a 24/7, 365 days a year Debit & ATM card monitoring system.
    • Fraud trends change daily, and the fraud prevention team consists of experts whose job it is to recognize these trends and to protect our cardholders from the latest card scams.
    • The fraud prevention team reviews suspicious authorizations for potential fraud, monitors compromised card alerts from Visa® and MasterCard®, reports confirmed fraud to Visa and MasterCard, and recommends card closures and reissues to protect the Bank’s cardholders.

  • The above security measures keep your transactions safe and secure over the Internet while using The Rockhold, Brown & Co. Bank Online Banking service.

Types of Fraud

  • Phishing

    • Phishing is the most common online fraud. Consumers are randomly targeted by criminals sending out mass emails usually containing an urgent message regarding account status, with instructions to click a link within the email directing them to a fraudulent website. Once the consumer clicks the link, he/she is exposed to the threat of having personal information stolen, including bank account information, user IDs and passwords, and social security numbers.

      Regardless of how legitimate an email or website may appear, NEVER respond to any email that instructs you to provide ANY personal information.

  • Vishing

    • Vishing is similar to the phishing scam. Vishing (a combination of the words "voice" and "phishing") involves a live or automated phone call made to a victim, alerting the consumer that their debit card, or bank account has had fraudulent or unusual activity, followed by instructions to call a phone number immediately. When the victim calls this phone number, it is typically answered by automated instructions to enter credit or debit card information, bank account information or other private information such as PIN, date of birth, social security number, etc. Once the consumer enters this information, the scammer has the information necessary to steal funds using the victim’s debit card, or their bank account information.

      The vishing phone number can show up on caller ID as the name of the financial institution they claim to represent. Be highly suspicious of ANY message directing you to call and provide credit, debit or bank account information. Contact your bank or credit card company directly to verify the validity of the message.

  • Malware

    • The word malware is a combination of the words "malicious" and "software".  Malware is software that criminals use to secretly gain access to your computer, and includes spyware, worms, trojan horses and computer viruses. Once your computer is infected with malware, criminals can use it to steal your financial and other information, as well as inflict damage to your computer system and software.

      We caution consumers to be exceedingly careful before opening unknown emails or email attachments, and before downloading any files from the Internet.  If you do open attachments or download files from unknown sources, you are opening your computer to the risk of becoming infected with malware.

WARNING!: Lottery/Sweepstakes Scams

  • Scams that involve the promise of winnings have become very common.  We’ve had several bank customers fall victim to such scams over the past several years.  The scam has many different variations, but generally it goes something like this:

    You will receive a letter in the mail or an email stating that you have won a specific amount of money (the amount varies).  As a condition of receiving your winnings, you are told that there are costs that you, the winner, must cover.  You may be required to pay for the armored truck to transport the cash to you, or to pay for the transfer fees, or the letter might claim to require payment of taxes before the money can be awarded.  There are an endless number of ways that the scammer may attempt to get money out of the “winner” before they will send the funds*.  The problem is this: there are no funds and you are not a winner.  You are the victim of a scam.  If you send them any money they will keep it, and you will never see a dime of any supposed “winnings”.  This scam plays off the desire of individuals to make an easy buck, or to get something for nothing.  If you receive a letter that states that you have won money, DON’T SEND MONEY TO ANYONE.  If you believe you truly are a winner, please consult with a qualified attorney before doing anything else.  If you do send money, you will likely never see that money again.

    *Scammers are persistent and may keep trying to get money even after they’ve been found out.  One customer discovered SHE’d been scammed after speaking with us, only to have an accomplice of the scammer call her claiming to be from the FBI.  This accomplice claimed that the FBI was investigating the scam, but there was a catch.  To continue the investigation and to secure her real “winnings”, the FBI would need $400 to proceed.  Obviously, the FBI is a government institution and doesn’t require private payment to conduct investigations.  It goes without saying that scammers will do anything in an attempt to defraud their victims.

Responding to Fraud

  • If you suspect your personal information has been compromised, contact our Bookkeeping department immediately at 740-634-2331 or 888-560-9018 menu option 3.

    You may also contact the three major credit bureaus to place a fraud alert on your credit file:
    (By clicking these links you will be leaving The Rockhold, Brown & Co. Bank website.)

    Any emails that you suspect are attempts at Phishing should be forwarded to:


The Rockhold, Brown & Co. Bank takes all the necessary steps to guard your private information. Please call
740-634-2331 or 888-560-9018 menu option 3 to request a copy of the Bank’s Privacy disclosure if you cannot view this PDF.

Security - Learn how we protect your private information and how you can protect yourself. History of the Rockhold, Brown & Co. Bank
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