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

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 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
  • 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

What hours will the Fraud Center attempt to contact me?

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

How soon will I be notified when a potentially fraudulent transaction is flagged?

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.

Can the bank assist with the Fraud Center and a blocked card?

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.

How many attempts are made to contact me?

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.

How can I tell if the text messages or phone calls are from the Fraud Center?

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.



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.

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Be organized, proactive and aware to protect yourself, family and friends from financial abuse.

Consumer News – Protecting Seniors from Financial Abuse

April 2019- FDIC Newsletter

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 closeout.
  • 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.
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Protect yourself from fake check scams

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August 2019 – FDIC Newsletter

Consumer and Business Security Awareness News

Read the latest news regarding Cybercrime and You.  

How Data Breaches Happen
The Personal Impact of Cybercrime
The Threat in Your Pocket
Security Article August 2019

Privacy Policy

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