Your Security Is Our Top Priority

Your Security Is Our Top Priority

Cybersecurity and data protection are some of the highest priorities for Raisin. In addition to investing in a suite of cybersecurity measures to keep your data and transfers private and secure, we also want to help you do everything you can to stay safe when conducting financial transactions online. We’re sharing more information on what we do to keep your data secure as well as some tips you can implement to help keep your information safe.

Our Contributions to Your Security

Our customers’ security is a top concern. In order to keep our customers’ data and privacy secure, we have invested in a suite of state-of-the-art cybersecurity measures. From certifications and assessments to data monitoring and data encryption, our focus on security is multi-layered for maximum protection. Want to know more about how Raisin keeps your data and privacy safe? Take a look below for some of the measures we have in place:

  • SOC 2 certification. Created by the American Institute of Certified Public Accountants (AICPA), SOC 2 confirms that a company not only has information security measures, but they are properly implemented.

  • Multi-factor authentication. Do you ever wonder why you need to enter an additional code beyond your set password to get into your account? Multi-factor authentication helps to limit access to your account, especially in case your password is compromised.

  • Data encryption using the best industry standards helps to make sure that unauthorized people cannot access your sensitive data. Any information entered into your Raisin account is encrypted with Secure Socket Layer (SSL). You can verify this by either looking for a padlock icon in your browser window or looking for the “s” after the “http” internet address.

  • All Raisin transactions happen within our secure platform and are associated with your unique customer ID. This means you get all of the benefits of a bank account, including federal deposit insurance and competitive interest rates, while potentially limiting your exposure to fraud.

  • Raisin only works with federally insured financial institutions. This means that all deposit balances on the Raisin platform are held at financial institutions where $250,000 per depositor, per institution is covered in the unlikely event of bank insolvency.

  • Our website is protected with web application firewall advanced protection technologies, which protects from malicious actors, botnets and denial of service attacks (DDOS).

  • An always-on information security monitoring platform detects and alerts us to information security events.

  • Our platform undergoes rigorous security assessments and testing throughout the lifecycle of application development, from architecture planning to production phases.

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Website protection

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Multi-factor authentication

Data encryption

Data encryption

Essential Tips to Help Keep Your Raisin Account Secure

While our cybersecurity measures have helped us earn SOC 2 certification, meaning we have met the data security and privacy requirements outlined by the American Institute of Certified Public Accountants (AICPA), there are also some helpful security tips that can help safeguard your information. Following the below tips can help you maximize your account’s security:

  • Do not share your personal Raisin account details like your password or multi-factor authentication code in any way, including via the phone, email, or text message.

  • Raisin will never ask you for your password or multi-factor authentication code.

  • Raisin does not ask to confirm, verify, or change your personal information by email. If you receive a request, call our customer service team immediately.

  • Create a strong password for your account. This should include a minimum of 8 characters, with a combination of mixed uppercase and lowercase letters, numbers, and symbols.

  • Create a password that is unique from passwords you use for other services.

  • Update your passwords regularly.

  • When creating a password, do not include personal or easily guessed information, such as your name or date of birth.

  • Raisin will never call you to make payment transactions or install remote access software. If you receive such a call, please do not follow these instructions.

  • If you receive an email, text, or phone call asking for personal details, passwords, or to make a transaction, please call us directly at 844-994-EARN (3276) to let us know as soon as possible.

  • Our customer support can only be reached via calling 844-994-EARN (3276) or emailing Please do not engage with phone numbers that claim to be from our support team. If you receive such a call, politely decline it, and call us back using the numbers provided on our website.

Mobile Banking Safety Tips

While the growth of the use of mobile phones and apps for online banking and financial transactions has meant increased convenience for customers to monitor their balances and account activity, it has also created new avenues for fraud and security risks.

At Raisin, security is our top priority. We provide a secure environment for you to log into your account and conduct transactions with our complete set of up-to-date security protocols and services. Our goal is always to keep our customers safe from fraud and security risks. Even so, if you’re checking your account on the go, it is important to keep security top-of-mind. Here are a few tips to help reduce your risks of fraud or security issues:

  • Always have a password, passcode, or biometric lock (such as faceprint or facial recognition) on your phone. One of the top security risks with mobile banking remains theft or loss of your device, so be sure to enable your phone’s native security features.

  • Only use trusted Wi-Fi networks or secure mobile data connections. Avoid public Wi-Fi — especially networks that are not password-secured.

  • Be careful with links received in text messages or emails. Only click links from trusted, verified sources.

  • Do not share your phone, especially with people you don’t know.

  • Always ensure your phone is running the latest operating systems and applications.

  • Only download and install applications from secure sources like the Google Play Store or Apple App Store. Avoid downloading and installing applications from unknown sources.

  • Update your contact telephone number details if you change your phone number, to ensure you receive any multi-factor authentication codes to the correct number.

  • Be cautious while downloading attachments on your phone.

  • Don’t store passwords or other sensitive information on your phone or computer outside of secure password managers.

  • Protect your phone against viruses. Use antivirus software downloaded only through secure sources.

General Data Security Guidelines

In addition to all of the above, here are some general tips that you can deploy to keep your information safe online:

  • Do not use public or other unsecured computers to log into your Raisin account.

  • Avoid public Wi-Fi networks for logging into your Raisin account — especially ones that do not require a password.

  • Review all account balances and transactions to confirm data accuracy. If you spot an error or a suspicious transaction, report it immediately to the Raisin customer service team.

  • Never leave a computer unattended while using Raisin.

  • Be sure to use a firewall and antivirus software.

  • Make sure your operating system and web browser are up-to-date.

  • If possible, use a password manager solution to generate, store, and manage unique passwords.

Responsible Disclosure

We at Raisin are committed to our customers’ data and privacy.

We incorporate a variety of measures throughout our website to ensure our systems remain secure. Our overall data and privacy security allows us to defend our systems from smaller security issues to large-scale attacks.

If you are a security enthusiast or a researcher and you have found a possible security vulnerability on Raisin, we encourage you to report the issue to us responsibly.

You can submit a bug report to us at with detailed steps required to reproduce the vulnerability.

If a bug is reported to us by you in this manner, we shall put our best efforts into investigating and fixing any legitimate issues in a reasonable time frame. In the rare instances where this might happen, we would request that you not publicly disclose your reports until we have had a reasonable opportunity to identify and remediate the issue and confirm this to you.

Secure Messaging Center


Call: 844-994-EARN (3276) (Monday to Friday from 9:00 a.m. - 4:00 p.m. ET)

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Raisin is not a bank and does not hold any customer funds. Funds deposited through Raisin are exclusively held at federally insured financial institutions and FDIC or NCUA deposit insurance coverage only covers the failure of partner banks or credit unions on the Raisin platform.

Customer funds are held in various custodial deposit accounts. Each customer authorizes the Custodian Bank to hold the customer’s funds in such accounts, in a custodial capacity, in order to effectuate the customer’s deposits to and withdrawals from the various bank and credit union products that the customer requests through The Custodian Bank does not establish the terms of the bank or credit union products and provides no advice to customers about bank or credit union products offered through Central Bank of Kansas City, Member FDIC, d.b.a. Central Payments is the Service Bank. Lewis & Clark Bank is the Custodian Bank.