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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 any questions about this letter, please feel free to contact one of our branch offices at 763-767-2178.
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 occurs when someone obtains another person’s personal identifying information, without lawful authority, for economic gain or criminal purposes. Signs of identity theft:
Be organized, proactive and aware to protect yourself, family and friends from financial abuse.
April 2019- FDIC Newsletter
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:
To report a lost or stolen ATM or debit card, please call one of our offices. After hours, call: 1-866-546-8273
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:
Website Security Tips:
Computer/Network Security Tips:
Protect yourself from fake check scams
August 2019 – FDIC Newsletter