Fraud Center
Notification System

Important Notice to 21st Century Bank Debit Card Customers

Protecting our customers from unauthorized debit card use is a top priority at 21st Century Bank. To help mitigate fraud, and be proactive in protecting your accounts, our Fraud Center services have improved, offering real-time banking fraud detection and faster response time. We actively monitor your account activity, and our Fraud Center will notify you immediately via text, email, or phone call if we suspect that a transaction may be fraudulent.

It is imperative that we have your current contact information on file such as primary and secondary phone numbers, email, and home address. Please call 763.767.2178 to confirm or update your information.

Effective August 19, 2019 - New Fraud Notification System

  • If you have provided your cell phone number and there is suspect activity, the fraud system will send a text message and will wait 5 minutes for a response.
  • The text will come through as SMS (text) short code 96923. Please add this SMS short code to your phone to recognize a text message from our Fraud Center.
  • You can confirm Y (Yes) for fraudulent transactions or N (No) for valid transactions.
    If there is no response to the text message or you have not provided us with your cell phone number the fraud system will attempt to send an email, waiting 5 minutes for a response.
  • If the fraud system is unable to reach you by cell phone (text) or email, it will begin voice calling in the following order: Home Number, Cell Number and Work Number.
  • Fraud Center calls to you will originate from 800.237.8990. Please add this number to your contact list.
  • If you confirm fraud by email or phone, please utilize the fraud center call back number 855.293.2456.
  • Please Note: The lost, found, or stolen card number listed on the back of your card has changed to 888.297.3416. Can also be completed through 21st Century Bank Online Banking, Options ATM/Debit Card.

If you have any questions about this letter, please feel free to contact one of our branch offices
at 763-767-2178.

Fraud Center Frequently Asked Questions

Between 8 a.m. and 9 p.m., CST.

The Fraud Center will try to contact you immediately. First, by text and then, if no response to the text, an email will be sent 5 minutes later. If there is no response to the email, voice calls will start five minutes after the email is sent. A voice mail message will be left on cell and home phone numbers.
Note: You will have the option to opt-out of the auto-dialer to speak with a Fraud Analyst.

It is best practice for you to respond directly to the Fraud Center communications (text, email, voice calling) to confirm activity. This will automatically change the status of your card based on your response to fraud or no fraud.  If you confirm no fraud, the card status will be updated to Active and flagged to prevent further declines for the same type activity for the next couple of days. If you confirm fraud, the card status will remain in a prohibited or frozen status.

When fraud is suspected, you will receive a text message, which allows you to respond to the text to confirm fraud or non-fraud. If there is no response to the text within 5 minutes, the system sends an email and will wait 5 minutes before trying to contact you by phone/voice. It will first call the Home number (waits 5 mins), calls the Cell number (waits 5 mins), calls the Work number (waits 8 hours), and attempts the Home number again.. Voice Mail will be left on cell and home phones.

 

It is imperative that we have your current contact information on file such as primary and secondary phone numbers, email and home address.  Please call 763.767.2178 to confirm or update your information.

A fraud center text will come through as SMS (text) shortcode 96923.  Please add this SMS shortcode to your phone to recognize a text message from our Fraud Center.

 

Fraud Center calls to you will originate from 800.237.8990.  Please add this number to your contact list.