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The Tools to Keep you Safe and Sound
Security Products at The Bank of Missouri

Security Products

At The Bank of Missouri, your account comes standard with many great security features. We also offer several optional security products, allowing you to choose the products and protection that’s right for you.

Review the products below and be sure to visit our Security Center, where we share best practices you can take to protect your accounts.

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Online Banking Security Manager™

Security Manager is an optional feature that requires a unique passcode each time certain actions are taken under the "Options" tab in Online Banking (such as changing your password, user ID or email address).

To use Security Manager, you will enter your cell number one time in Online Banking to enroll. Then the passcode will be sent by text each time you take one of the triggering actions. If you ever need the passcode when you do not have access to your mobile phone, just give us a call during normal business hours.

You also have the option to use Security Manager without using a mobile phone. In that case, you would need to call the bank for a passcode each time it is needed.

Sign up for Security Manager

Please note some cell phone providers are not supported, including Consumer Cellular, Google Voice, H20 Wireless, Straight Talk, Tracphone, and Walmart Family Plan. While there is no fee from The Bank of Missouri for this service, connectivity and usage rates may apply. Contact your wireless provider for details.

Online Banking Security Token

Security tokens allow you to receive an additional code you enter along with your user ID and password each time you log in to Online Banking. Because a new code is generated for each log in, even if a hacker had obtained your userID and password, they would not be able to log in without the additional code.

A virtual token you can access on your computer or smartphone is offered at no charge to each Online Banking user. If you prefer to have a physical token you carry with you, you can purchase one for a fee at any one of our locations. Tokens can be used to protect consumer and business accounts.

After you sign up, you will receive a welcome email with download instructions. Simply download within three days and register your token. Log in to Online Banking and when prompted, enter the credential ID and security code.

Security Token Frequently Asked Questions

If my phone is lost or stolen, can the virtual token be used by someone else to access my Online Banking?

No. A security token cannot be used alone to access Online Banking. To log in, it must be used along with your user ID and password.

Will I use the token when logging in on the bank's mobile app?

No. The token is used for logging into Online Banking on your desktop or device's browser, and is not used in the mobile app.

Can I use my token on other sites?

You can use your token anywhere Symantec token usage is accepted. Be sure to register your VIP credential at each VIP Participating Organization where you have an online account before you use the credential. Then your Participating Organization will be able to recognize your VIP credential ID. Look for the Symantec Validation & ID Protection logo at VIP Participating Organization for instructions.

See participating organizations

Sign Up for a Virtual Security Token

Debit Card Text Alerts

Stop debit card fraud in its tracks with our smsGuardian™ text alert system. It’s simple. Anytime you complete a transaction with an increased likelihood of fraud (such as an out-of-state purchase or authorizations over $200), you will receive a text alert. If it’s not fraudulent, no reply is needed. If it is, you can let us know and we’ll take action right away.

Sign Up for Debit Card Text Alerts


Identity theft protection service1 for you, your family and joint account holders.

IDProtect includes:

  • Up to $10,000 Identity Theft Expense Reimbursement Coverage2 for expenses associated with restoring your identity
  • Fully Managed Identity Theft Resolution Services – access to a dedicated fraud specialist assigned to manage your case until your identity is restored
  • Debit and Credit Card Registration (registration/activation required)
  • Credit File Monitoring – daily credit file monitoring and automated alerts of key changes to your Experian, Equifax and TransUnion credit reports (registration/activation required)
  • 3-in-1 Credit Report – request a new report every 90 days or upon receipt of a credit alert (registration/activation required)
  • Credit Score – receive a new single bureau credit score with every new credit report (registration/activation required)
  • Total Identity Monitoring – monitoring of over 1,000 databases (registration/activation required)
  • Online identity theft news center and valuable phone and web resources

Current users: To fully activate and access your benefits, visit  If you have lost your access code, call us at 888-547-6541, contact us online or visit one of our locations.

Electronic Statements

Clean up the clutter


1 IDProtect is a personal identity theft protection service available to personal checking account owner(s), their joint account owners and their eligible family members. The service is available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members (service not available to employees or authorized signers who are not owners). Service is not available to a “signer” on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members. For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and their eligible family members (Fiduciary is not covered). Family includes: Spouse, person qualifying as domestic partner, and children under 25 years of age and parent(s) who are residents of the same household.
2 The description herein is a summary only. It does not include all terms, conditions and exclusions of the policy described. Please refer to the actual policy for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Refer to Guide to Benefit for complete details of coverage. Insurance Products are not a deposit of or guaranteed by The Bank of Missouri or any Bank of Missouri Affiliate and are not insured by The Bank of Missouri or any federal government agency.

External Link Disclaimer

You will be linking to another website not owned or operated by The Bank of Missouri. The Bank of Missouri is not responsible for the availability or content of this website and does not represent either the linked website or you, should you enter into a transaction. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by The Bank of Missouri of any information in any hyperlinked site. We encourage you to review their privacy and security policies which may differ from The Bank of Missouri.

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Email Disclaimer

Because there is a risk information transmitted via Internet email could fall into the wrong hands, The Bank of Missouri suggests confidential information, such as account numbers or social security numbers, not be transmitted via email. If this information must be stated, please contact The Bank of Missouri by phone or at your nearest branch.

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First Choice Insurance Agency, Inc is a wholly owned subsidiary of Reliable Community Bancshares, Inc., parent company of The Bank of Missouri.

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