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Customer Education

Resources
  • Keep your password to yourself. Do not share it with anyone.
  • Change your password frequently.
  • Remain at your computer until your Online Banking transactions are completed and log out. Log out of Online Banking prior to visiting other internet sites.
  • Don't use obvious numbers or easily accessible information for your log-in ID and password.
  • Don't record your login ID and password on paper. Try to memorize them, if possible.
  • If you do record your login ID and password, keep them in a safe, secure location. 
  • Review your account information often. Report any unusual activity immediately.
  • Never give account information to anyone over the telephone unless you initiated the call. 
  • If you notice suspicious or unusual activity on your Online Banking accounts, call the bank immediately. 
  • If you identify any unauthorized debit card transactions, contact our Fraud Center immediately.
  • Manage your debit card with Online or Mobile Banking "Card Management" options to disable your credit card immediately. 
  • If your card has been lost or stolen, contact us immediately at: 1-888-297-3416, available 24/7 or (575) 758-6700 (Monday-Friday, during regular business hours).
  • Centinel Bank will never ask you to provide your PIN, account number, or any personal information. 
  • Always safeguard your information. Safeguard your Pin - do not give out your PIN to anyone and do not write your PIN on the back of your Debit Card.
  • Promptly inform us of any changes to your address, phone number, or other contact information.  
  • If your card has been lost or stolen, contact us immediately:
    • 1-888-297-3416 (24/7)
    • (575) 758-6700 (during business hours) 
  • Log in to your online banking/mobile banking app, select "Manage Cards," and report your card as lost or stolen. 
Here's how it works:
Our Debit Card Fraud Monitoring tool reviews normal card usage to identify unusual account activity. Centinel Bank's automated service will contact you to verify unusual transactions. We will contact you by:
  • Text Message - You will receive a text alert from 32874. The text will include the last 4 digits of your debit card number, the transaction amount, and the merchant name. 
  • Authorized Transactions - Reply with {last 4 digits of your debit card number YES}.
  • Unauthorized Transactions - Reply with {last 4 digits of your debit card number NO}.
  • Automated Calling Service - Centinel Bank Fraud Center will contact you to verify unusual transaction(s). You may select "0" to speak with a live person. 
    • Authorized Transactions - If this transaction was authorized by you, press 1.
    • Unauthorized Transactions - If you do not recognize this transaction - press 3. 
If you will be traveling out of the state or country with your debit card, please contact us to let us know. For your protection, we have security settings in place that require modification during your travel. 

Learn what to do if your online account information, bank information, card information, or other personal information is lost or stolen. Find out how to protect your information from being stolen.

 
 
 
 Overdrawing your account is an avoidable expense. We have products to help reduce or even prevent the cost of overdrafts. Online banking, Mobile Deposit, OOPS Transfer, and OOPS Line of Credit, are a few examples. If you would like to learn more about these options, or have other financial needs, call us at (575)758-6700 or visit us at 512 Paseo Del Pueblo Sur in Taos. 
 
 
Additional tools and educational resources through FDIC can help you prevent and manage overdraft fees. 


Learn more about our products and services that can help you avoid potential overdrafts: 




Learn about how older adults are at risk for online scams and financial abuse, and how older adults can recognize and avoid scams.