Bank Security & Privacy

Your Banking Security & Privacy Are Important to Us

As a customer of 21st Century Bank, we place the highest priority on safeguarding all financial information you provide us. We take every precaution to keep your information confidential. It is our promise and pledge.

Please read our Privacy Policy or contact us with any questions regarding our use of your information.

We do not believe that banking security is a one-time commitment. 

  • We are continuously monitoring and assessing our security procedures to make sure our safety measures evolve as knowledge and technology do.
  • Consumer Updates: We will work to keep our customers informed on how to avoid becoming a victim of scams and fraud, and we want to equip you with knowledge and resources to help prevent identity theft.

Contact us immediately if you believe that one of your accounts may have been compromised. Please have your account information and details about the suspected fraud available when you call.

Lost or Stolen Cards

To report a lost or stolen ATM or debit card, please call one of our offices.

After hours, call: 866.546.8273

COVID-19 Warning and Safety Tips for Banking Security

As the novel coronavirus (COVID-19) pandemic continues to impact the United States, phone scammers have seized the opportunity to prey on consumers.

The FCC has received reports of scam and hoax text message campaigns and scam robocalls offering free home testing kits, promoting bogus cures, selling health insurance, and preying on virus-related fears. Read More
computer showing fraud alert and lack of privacy & security

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. 

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 –

If you feel you have been a victim of identity theft contact the branch location nearest you for assistance or visit Go to 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.

April 2019 – FDIC Newsletter

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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’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.

Send Us An Inquiry

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For a business account, please complete the following:

For account and/or loan applications, please contact Customer Service or visit a branch location.

Disclaimer: Do not share confidential, privileged, or sensitive information via unencrypted email. As with any information submitted over the internet, there is a risk that the information could be intercepted, viewed, or retrieved by a third party. For your protection, please do not include personal information, such as Social Security numbers or account numbers, in email messages.

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