Privacy Policy

Consumer Protection

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Report a Lost or Stolen Visa® Check Card

To report a lost or stolen card after banking hours, please call 1-800-554-8969 and tell the operator you bank with HCSB, a state banking association.

Report a Lost or Stolen Master Card

To report a lost or stolen card after banking hours, please call 1-800-528-2273 and tell the operator you bank with Citizens Bank.

PUBLIC NOTICE: Centennial Bank is chartered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking.

Centennial Bank, also engages in the money transmission and/or currency exchange business as an authorized delegate of MoneyGram Payment Systems, Inc. under Chapter 151 of the Texas Finance Code. If you have a complaint, first contact the consumer assistance division of MoneyGram Payment Systems, Inc. at 1-800-MONEYGRAM, if you still have an unresolved complaint regarding the company's money transmission or currency exchange activity, please direct your complaint to the Texas Department of Banking.

Consumers/customers may file complaints with the Texas Department of Banking by contacting the Department through one of the means indicated below:

In Person or U.S. Mail:

2601 North Lamar Boulevard, Suite 300

Austin, Texas 78705-4294

Telephone Number: 877-276-5554

Fax Number: 512-475-1313

E-mail: (Note: Please do not include sensitive information in this email transmission. Any emails generated using this link are not encrypted.)


  • Centennial Bank is a member of the Federal Reserve System.
  • Centennial Bank recognizes the importance our customers place on privacy and the security of their personal information. Our goal is to protect your personal information in every way that we interact with you, whether it's on the telephone, in our lobby, at one of our ATMs, or on the Internet.
  • We think it is important for you to be informed of the policies, procedures, and security measures we have in place to safeguard your personal and confidential information. We have developed this policy to help you to understand the steps we take to protect your personal information when you utilize our Portal services.

PRIVACY NOTICE: Please click here to view Centennial Bank privacy notice.

Collection and Use of Information

REGISTRATION. Portal visitors are not required to register in order to utilize certain features of the service such as the shopping mall and news. The registration process simply allows the user to customize features that allow them to track certain stocks, read selected news articles, view the local weather report and personal horoscope.

The registration process only requires you to provide your name, email address, and passcode. Other information such as your zip code is optional and only used to customize Portana features.

Your email address is your User-ID. We currently only use this address to send you a welcome letter.

In the future we may use this address to send you email notices for certain required regulatory disclosures, but only if you have previously accepted online disclosures. We may also send you emails to market our financial products and services that may be of interest to you. In addition, we may also provide you an opportunity to subscribe to a newsletter; however, we will always provide you an opportunity to opt-out of electronic disclosures and newsletters if required by law. FundsXpress may send emails as an agent on our behalf.

GENERAL INFORMATION. FirstData/FundsXpress, our Portal service provider, also collects general non-personally identifiable information that is generated electronically when you visit our Portal site. This information is collected on our behalf simply for administrative, statistical, and security purposes so that we may provide Portal services to you. FirstData/FundsXpress uses a "web-trend cookie" to collect some of this general information on all Portal visitors.

The information collected electronically and through this web trend cookie includes the following:

  • The Internet address (referral site) which brought you to our web site;
  • The date and time you access our site;
  • The name and version of your web browser;
  • The Internet service provider you used when you accessed our site;
  • Your Internet Protocol (IP) address; and
  • The pages visited in our Portal.

Additional information about IP addresses and cookies are provided below.

Internet Protocol (IP) Addresses

An IP address is a number that's automatically assigned to your computer whenever you're on the Internet. Web servers, the computers that "serve up" Web pages, automatically identify your computer by its IP address.

When collecting information for us, First Data/FundsXpress does not link IP addresses to anything personally identifiable, which means that a user's session will be logged, but the user remains anonymous.

FirstData/FundsXpress may use IP addresses to audit the use of our site. They can and will use IP addresses to identify a user when necessary for security purposes.

What is a Cookie?

A cookie is a very small text file sent by a web server and stored on your hard drive, your computer's memory, or in your browser so that it can be read back later. Cookies cannot "read" information about you from your computer or be used to "steal" information about you; and cookies don't carry viruses. Cookies are a basic way for a server to identify you (most cookies actually identify the computer you happen to be using at the time, not you personally). Cookies are used for many things from personalizing start up pages to facilitating online purchases. Cookies help sites recognize return visitors and they perform a very important function when you engage in secure Internet banking.

FirstData/FundsXpress utilizes other cookies simply to facilitate the customization and personalization of the Portal. For your security, FirstData/FundsXpress does not store any of your personal information in these cookies, which are further described below.

Other Information Collected through Portal Cookies:

When visitors register on the Portal and select the "Remember Me" checkbox, FirstData/FundsXpress sends additional cookies to your hard drive, which enable you to customize the Portal and bypass the login process each time you revisit the Portal. These cookies are retained on your computer until you either delete them or click on the Logout link within the Portal. These cookies only contain a unique user identification number and do not contain or collect any personally identifiable information.

When registered users login to the Portal, FirstData/FundsXpress sends an additional cookie called a "per-session" cookie or "server-side" cookie. This "server-side" cookie resides in the browser and is only used by FirstData/FundsXpress to monitor the session by a unique identification number. This cookie is used for security purposes and you must allow your browser to accept the "server-side" cookie to use the Portal. The cookie is destroyed after eight hours.

When you click on advertisements on the Portal or at 3rd party merchants within the Portal, they may also send you a cookie to collect general non-personally identifiable information. You do not have to accept these cookies to use the Portal.

Disclosure of Information to Third Parties

We do not disclose any nonpublic personal information about our registered portal customers or visitors to anyone, except as permitted or required by law. We must share this information with FirstData/FundsXpress, our service provider for the Portal. FirstData/FundsXpress has a confidentiality agreement with us to protect your personal information to the same extent that we must do.

We do not sell any of your personal information.

In the future, we may share a portion of the aggregate customer information that we collect on the Portal with companies or financial institutions that perform marketing services on our behalf. We have such an agreement with FirstData/FundsXpress. Our contract requires FundsXpress to protect the confidentiality of your personal information to the same extent that we must do. The disclosure of certain aggregate information to FirstData/FundsXpress or other companies would only be used to help us market and/or display financial products and services that may be of particular interest to you or save you money. We will provide you an opportunity to opt-in or opt-out of such disclosure if required by law.

External 3rd Party Links

Our website has numerous links to other 3rd party sites. These links to external third parties are offered as a courtesy and a convenience to our customers. While using our Portal, you may still see our logo when visiting other 3rd party sites. A technique called "Framing" allows us to display our logo and look and feel while allowing you to browse another site at the same time. It's important to note that while you may still see our logo and frame, any information you provide to a 3rd party is not covered by our privacy policy.


If you have questions or concerns about the privacy policies and practices of these third parties, please review their websites and contact them directly. This privacy policy applies solely to information collected through our Portal.


This financial institution has developed strict policies and procedures to safeguard your personal information. We restrict employee access to your sensitive personal information to a "need to know" basis. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. We educate our employees about the importance of confidentiality and customer privacy. We take appropriate disciplinary measures to enforce employee privacy responsibilities. We offer secure messaging services through our Internet Banking service. You should use the secure mail service anytime you send us sensitive personal information.

Our service provider, FirstData/FundsXpress, has also developed security policies and procedures to protect the customer information that they must collect and maintain to help us provide Portal services to you over the Internet. They have developed a top-of-the line data center and security procedures to ensure that your customer information is protected within the FirstData/FundsXpress environment. For more information on the FirstData/FundsXpress security measures, please visit their website at

Privacy of Children

This financial institution respects the privacy of children. We do not knowingly collect names, emails addresses, or any other personally identifiable information from children. We do not knowingly market to children nor do we knowingly allow children to utilize the Portal.

Privacy Updates

New product releases may require changes to our Privacy Policy. The effective date of our policy will always be clearly displayed. If we make any changes regarding the use or disclosure of your personal information, we will provide you prior notice and the opportunity to opt-out of such disclosure if required by law.


If you would like to know what information we have collected in connection with your use of the Portal, you can contact us by phone or email, or you can visit with us in person. After reviewing the information, if you believe any of the information is in error, you can let us know either by phone or email, or you can or send us a letter that explains the alleged discrepancy. If the information is incorrect, we will work with you to ensure your information is promptly updated.

In addition, if you believe any information that this financial institution or FirstData/FundsXpress has collected about you has been used for an improper purpose; please contact us and explain your concerns in as much detail as possible so that we may take any appropriate action.