Banking Security Quick Links
Banking Security & Privacy
Your Banking Security & Privacy Are Important to Us
At 21st Century Bank, protecting your financial information is our highest priority. We follow the latest guidance from the Federal Financial Institutions Examination Council (FFIEC) and continually update our practices to stay ahead of emerging risks.
Cybersecurity is a shared responsibility — see our Cybersecurity Awareness resources for tips on recognizing scams and protecting your accounts, or review our Privacy Policy for how we handle your information.
From account monitoring to fraud alerts, we’re working behind the scenes every day so you can bank with confidence.
At 21st Century Bank, protecting your financial information is our highest priority. We are committed to safeguarding your data through advanced security technologies, strict confidentiality standards, and continuous monitoring of evolving cyber threats.
We follow the latest cybersecurity guidance from the Federal Financial Institutions Examination Council (FFIEC) and regularly update our practices to stay ahead of emerging risks. But cybersecurity is a shared responsibility. That’s why we provide tips, alerts, and resources to help you recognize scams, prevent identity theft, and protect your accounts.
Cybercriminals are using increasingly sophisticated tactics—such as phishing, social engineering, and online fraud—to target individuals and businesses. By staying informed, you can take simple, effective steps to reduce your risk and keep your finances secure.
If you ever suspect fraudulent activity, contact us immediately. Please have your account information and details about the suspicious activity ready so we can act quickly.
Learn more by reviewing our Privacy Policy or visiting our Cybersecurity Resources. Your security is our responsibility—and our pledge.
Lost or stolen card?
Call us immediately or close your card in Online Banking.
Report any suspicious activity to a branch office immediately.
Banking Security and Identity Theft
Signs of Identity Theft
- Accounts you didn't open
- Inaccurate credit report information
- Missing statements or bills
- Cards you didn't request
Protect Yourself
- Shred mail with personal info
- Use a postal box, not your mailbox
- Review statements monthly
- annualcreditreport.com yearly
If you feel you have been a victim of identity theft, contact the branch location nearest you for assistance or visit IdentityTheft.gov to report and recover from identity theft.
Protecting Seniors from Financial Abuse​
Be organized, proactive, and aware to protect family and friends from financial abuse.
Banking Security and Identity Theft
Identity theft occurs when someone obtains another person’s personal identifying information, without lawful authority, for economic gain or criminal purposes.Â
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 papers 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.
Protecting Seniors from Financial Abuse​
Be organized, proactive, and aware to protect your family and friends from financial abuse. It’s easier than ever to handle our finances without setting foot inside a bank with so many advances in technology, but these changes have also made fraud and financial abuse a prevalent problem for older adults.
ATM and Debit Card Safety
- Sign the back of your card and memorize your PIN (personal identification number)
- Use well-lit ATMs and stay aware of surroundings
- Destroy expired cards securely
- Monitor transactions daily in Online Banking
- Notify us before traveling to avoid blocked transactions
ATM/Debit Card Safety Fraud Alerts
Keeping your money safe and secure is our top priority. With increased banking security 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. Select ATMs 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 ever 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 PINs 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.