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Mobile Banking Security

Your privacy and security are of the utmost importance to Sauk Valley Bank (SVB). That’s why we have implemented the following security standards. We have also included a list of security tips for our clients to keep in mind when using their mobile devices for mobile banking. All SVB Mobile Banking services use the same high level of security standards as Sauk Valley Bank & Trust Online Banking.


Industry standard authentication factors. SVB uses multi-factor authentication (MFA) questions and answer security technologies, and image/text-based mutual authentication systems which are leveraged for our existing online banking system, these systems will also be in place within the SVB Mobile app.

Mobile Phone and System Lockouts

SVB locks the user out of the mobile phone after 3 failed log-in attempts (just as online banking). If this occurs, a user can conveniently “un-lock” and regain access to their mobile account themselves by accessing the SVB Online Banking log-in page and selecting “Forgot Password.” The user will then be prompted to reset their own password. Once complete, the user will gain immediate access to their mobile/online accounts again. If this occurs during business hours, you may also call our Customer Call Center at (815) 632-4490 and we’ll happily reset your password for you.

It is also important to note that no information (such as username and password) is stored on the Mobile Device and no information is available on the Mobile Device once you have logged off.

Security Tips

You are responsible for maintaining the security of your physical Mobile Device and all transfers made using your Mobile Device. Although your full account numbers will not be displayed, it will display other sensitive information about your Mobile Accounts, including balances and transfer accounts. Anyone with access to your Mobile Device may be able to view this information.

  • Always store your Mobile Device in a secure location, and utilize the keypad lock or phone lock function when the device is not in use.
  • Never disclose via text message any personal/sensitive information such as account numbers, passwords, social security number or birth date that could result in ID theft.
  • Download mobile apps from reputable sources only.
  • Sign off of mobile banking when you finish using the SVB Mobile Banking app.
  • Keep Anti-Virus software update to date on both PC and Mobile Devices.
  • Use strong Online Banking passwords.
    – a mix of uppercase, lowercase, numbers and special characters
  • Create a password on home Wi-Fi connections.
  • Update PC & Mobile Device software as necessary, keep security features current.

If you believe that someone has withdrawn or transferred money from your deposit account online or on Mobile Banking without your permission, or that your online username or password has been stolen, please contact Sauk Valley Bank’s Customer Call Center at (815) 632-4490.

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