• Identity Theft
  • ATM/Debit Card Safety Fraud Alerts
  • Lost or Stolen Cards
  • Cybersecurity Awareness
  • Privacy Policy

Identity Theft

Identity Theft occurs when someone obtains another person’s personal identifying information, without lawful authority, for economic gain or criminal purposes. Signs of identity theft:

  • Accounts you didn’t open or debts on your credit report that you did not apply for or cannot explain.
  • Fraudulent or inaccurate information on your credit reports, including accounts and personal information, such as Social Security number, address(es), name or initials, and employers.
  • Failure to receive monthly statements or credit card bills. Follow up with the Bank or creditors if your statements or bills do not arrive on time. A missing bill could mean someone has taken over your account and modified your billing address.
  • Receiving credit cards that you didn’t apply for.
  • Being denied credit or being offered less favorable credit terms, like a high-interest rate, without apparent reason.
  • Receiving phone calls or letters from debt collectors or businesses regarding merchandise or services you didn’t purchase.
  • Protect yourself against identity theft:
  • Change all passwords regularly
  • Never provide personal identifying information over the phone
  • Never share your login information with anyone and be cautious of anyone requesting that information
  • Do not use your credit or debit card for internet purchases unless it is a safe, secured, encrypted system.
  • Do not place outgoing mail in your mailbox, use a postal office or box
  • Shred all mail that contains personal information
  • Monitor your bank and credit card statements monthly. If you receive paper statements be aware if you are missing either a statement or a bill.
  • Order your free credit report annually – www.annualcreditreport.com

  If you feel you have been a victim of identity theft contact the branch location nearest you for assistance or visit Go to IdentityTheft.gov to report and recover from identity theft.

ATM/Debit Card Safety Fraud Alerts

Keeping your money safe and secure is our top priority. With increased levels on ATM/Debit Card fraud take, stop unauthorized use of your ATM or Debit card before it happens.

If your Debit or ATM card is lost or stolen call us immediately at 866.546.8273 or use 21st Century Bank Online Banking to close your card.

Use the following suggestions:

  • Sign the back of your card in the signature panel as soon as you receive it in the mail.
  • Do not share your PIN (personal identification number) with anyone.
  • Memorize your PIN, never write it on your card or keep it in your purse or wallet.
  • Always pay attention to surroundings when using an ATM’s. Select ATM’s that are in open and well lit locations. When your transaction is complete, remember to take your receipt, card and cash and leave immediately. Count disbursed cash in a secure location.
  • Review your credit report annually, dispute any inaccuracies immediately (link to free annual credit report) Utilize a credit monitoring service. They will notify you immediately of any activities to your credit bureau.
  • When your card has expired and your new card has been activated, securely destroy your expired card.
  • Always keep your card in a safe and secure location.
    Maintain a list of all credit and debit card accounts to be used if your wallet is every lost or stolen.
  • Monitor your ATM and Debit card transactions daily to ensure there are no unauthorized transactions. We recommend enrolling in 21st Century Bank online banking so that you are able to view daily transactions with ease.
  • Review your monthly bank statement for suspicious or fraudulent activity. Enrolling in 21st Century Bank electronic statements is a great way to maintain your account privacy.
  • Report all suspicious and fraudulent activity immediately to a branch office.
  • Ensure that the phone number and email address we have for you is current so that the Bank or our Fraud Center can contact you if we notice any suspicious transactions. Contact one of our offices with any updates.
  • To limit fraud losses, we place transaction blocks or require PIN’s on certain swiped transactions in several states. It is important to notify the Bank if you will be traveling so we can note your card accordingly. This will avoid any unnecessarily blocked transactions.
  • Our fraud alert system utilizes an automated system that will call, email or text you and requires a response of ‘fraud’ or ‘no fraud’. If there is no response received from you, your card will be blocked from future transactions until a fraud or no fraud confirmation is received. If your card does become blocked, please call 800.417.4592 for assistance.



Lost or Stolen Cards

To report a lost or stolen ATM or debit card, please call one of our offices. After hours, call: 1-866-546-8273

Cybersecurity Awareness

The Federal Financial Institutions Examination Council (FFIEC) has issued supervisory guidance for banks designed to help make online transactions more secure in response to an ever-dangerous online threat environment. Scams and hacking techniques are more sophisticated, new threats are continually being developed and organized crime groups in both the United States and Internationally have become a major force in expanding online fraud and theft. The security tips and below provides important information to help you understand online transaction risk and options to help you control these risks. It is important that you are informed and aware.


Password Security Tips:

  • Do not share your User ID’s or Passwords with another person or provide them to others. Safeguard your online banking credentials.
  • Many websites force password changes every 60 or 90 days. If a website does not do so, take the initiative to change your password regularly.

  Website Security Tips:

  • Monitor account activity. View account activity online on a regular basis and review periodic statements.
  • Log off from websites, do not just close out.
  • Research any website or app before downloading
  • Do not conduct financial transactions through an unsecured Wi-Fi network and disable settings that automatically detect and connect your device to Wi-Fi.

  Computer/Network Security Tips:

  • Use quality security monitoring software on your PC that includes anti-virus, anti-malware and firewall functions.
  • Use your PC’s security features such as individual log-in accounts.
  • Keep PC operating system security up-to-date by applying patches and updates.
  • Password-protect your computer network (physical or wireless)

  Email Security

  • Be wary of suspicious emails. Never open attachments, click on links, or respond to emails from suspicious or unknown senders.
  • If you receive a suspicious email, do not respond or provide any information.
  • If you think you may have responded to a phishing email with personal or account information, contact the branch nearest you for assistance.
  • Conduct online banking activities on secure computers only. Public workstations and computers (library, internet cafes, copy centers, etc.) should be used with caution, due to shared use and possible tampering.
  • Online banking activities and viewing or downloading documents (statements, etc.) should only be conducted on a computer you know to be safe and secure.
  • Ensure your computer software is current. Before downloading an update to your computer program, go to the company’s website to confirm the update is legitimate.

Privacy Policy

What does 21st Century Bank do with your Personal Information? Privacy Policy (PDF)