ATM/Check Card Fraud Prevention

Report a lost or stolen card

To report a lost or stolen Visa check card after banking hours, please call 1-800-554-8969 and tell the operator you bank with Centennial Bank.


We may be calling you...

If we suspect fraudulent ATM or check card use, we'll be calling you to validate the legitimacy of your transactions. Your participation in responding to our call is critical to prevent potential risk and avoid restrictions we may place on the use of your card.

  • Our automated call will ask you to verify recent transaction activity on your card.
  • You'll be able to respond via your touchtone keypad.
  • You'll also be provided with a toll-free number to call should you have additional questions.

Our goal, quite simply, is to minimize your exposure to risk and the impact of any fraud. To ensure we can continue to reach you whenever potential fraud is detected, please keep us informed of your correct phone number and address at all times.

In the meantime, please be diligent in monitoring transaction activity on your account and contact us immediately if you identify any fraudulent transactions. Here are some additional tips on protecting yourself from check card fraud:


Include us in your travel arrangements

If you plan on traveling outside of the country, please remember to notify our Card Services Department at 806-293-3635. We ask that you let us know the timeframe and international destination(s) to which you will be traveling. Advance knowledge of your travel plans will allow us to alert our systems that international transactions should be expected on your account. It's always wise to be prepared with additional forms of payment in the event that foreign ATM networks are not accessible/compatible with your card.


Protect yourself

Unless absolutely required for a legitimate business purpose, avoid giving out your:

  • Address and ZIP code
  • Phone number
  • Date of birth
  • Social Security number
  • Card or account number
  • Card expiration date

Your PIN is private; never give it out.

In stores and at ATMs, always cover your card and PIN, and watch for:

  • Cell phone cameras, mirrors, or other tools used to view cards and PINs
  • People watching your transactions
  • Cashiers taking your card out of sight; take it to the register yourself
  • Any unusual activity at ATMs; if you feel uncomfortable, go to another ATM

Online, you should never respond to unsolicited emails that:

  • Ask you to verify your card or account number; such emails are not sent by legitimate businesses
  • Link to websites; such sites can look legitimate but may collect data or put spyware on your computer