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Customer Education

At Centinel Bank, we are dedicated to giving you the knowledge and skills needed to own your economic success, plan for your future, and make smart economic choices. We feel that investing in your financial knowledge leads to financial success, and this is key in building a strong community.

Teaching our customers and their children, as well as our Taos County communities about how to maintain a bank account, balance a checkbook and calculate interest, or save for college, establish good credit, buy a home, plan for retirement and recognize the need for an emergency fund are some of the topics covered through our education/financial literacy initiatives at Centinel Bank.

Our objective with our financial education efforts is to strengthen financial literacy for individuals and businesses in all populations and through all stages of life in our community– youth, teens, adults, and seniors.


Community Workshops & Presentations

As active community members, we are happy to conduct workshops, presentations, or one-on-one meetings in the community on financial literacy related topics. We invite community organizations and individuals to contact us, if you interested in having us lead such a session or workshop.


Financial Tools, Education & Resources

Calculators

Tools For You

Click here to use a variety of easy-to-use online calculators to help you solve common financial problems.


Articles and Education

Credit Versus Debit. Do you know the difference?

The Centinel Bank Debit Card look like a credit card and can be used anywhere Mastercard® is accepted, but it functions like cash or a personal check using funds directly from your checking account.

Credit and ATM/debit cards look similar, but they use money in very different ways. Click here to see a chart explaining the difference between a credit card and a debit card.


Tips for Establishing and Maintaining Good Credit

Good Credit is Key to Solid Financial Future from Centinel Bank of Taos and ICBA

When establishing financial fitness goals, Centinel Bank of Taos and The Independent Community Bankers of America  want to remind customers: it’s easier to build a credit score than to repair a bad one.

Having a good credit history is key to any financial plan. Credit scores take into consideration years of past behavior, so it’s important to establish a history of responsible credit practices and build your score by maintaining good habits. Click here to read tips on how you can establish a good credit score. 


Focus to Improve Your Financial Situation, 5 Ways How

How much do you really know about your financial health or financial situation? Do you know what it is, or how you’re doing? Do you know how to improve it?  Taking steps to achieve financial health is just like setting a goal to lose weight – it doesn't happen overnight.

All your financial decisions and activities have an effect on your financial health now and in the future. The more you focus on understanding your financial situation the better off you’re financial health will be.

Click here to read about 5 areas to focus your attention to improve your financial situation.


5 C's of credit to help determine your creditworthiness

Thinking of applying for a loan? Do you know what your bank will look at to determine your creditworthiness? Lenders look at your 5 c's.

  1. Credit History/Character
  2. Capacity
  3. Collateral (when applying for secured loans)
  4. Capital
  5. Conditions

To read more about the 5 C's of credit click here.

If you have questions and/or are thinking of applying for a loan, call us @ 575-758-6700 and ask to speak to one of our lenders.  


What does it mean to bank local?

Where you choose to bank matters. Did you know, not all banks are the same? While they do provide many similar services, there're also many differences. Centinel Bank of Taos is a community bank, locally owned and operated, serving Taos County since 1969. Along with traditional banking services, Centinel Bank offers many community banking benefits.

This April, in celebration of Community Banking Month, we encourage everyone to consider what it means to bank locally. Banking local helps sustain our community today, tomorrow and for generations to come. Click here to read more.


Protect yourself from phishing attacks (cybercrimes)

Phishing is a type of fraud. Phishing attempts are getting very, very sophisticated. More and more people are finding themselves targets and sometimes victims of the fraud. At Centinel Bank we care about your security and offer the following information. 

What is phishing?

Phishing is a form of fraud in which a target or targets are contacted by criminals through email, telephone or text message as well as through human interaction and malicious websites. It’s by someone posing as a legitimate institution, new employees or even repair personnel. The fraud is an attempt to lure individuals into providing sensitive data and attempt to trick them into divulging personal information. Examples include:

  1. Personally identifiable information
  2. Banking
  3. Credit card details
  4. Passwords
  5. And more

The information is then used to access important accounts, steal your money, use your name to open credit cards or loans and more.

Click here to read how you can avoid being a victim and what to do if you think you are a victim. 


Keep Hackers out of Your Facebook and Twitter Accounts

Social networking has changed the way we interact with friends, family and associates. While social networks play a significant role in our lives, they are also a high risk for security threats. Social media security should be taken seriously, you should always proactively secure your social media accounts.  

Here are steps you can take that can help keep your accounts from being hijacked.

Make the most of your device lock screen

  • Set your computing devices to lock quickly

?Make sure you have a strong, unique password and two-factor authentication. People can gain access to your accounts by acquiring credentials and trying them across different services

  • Use different password combinations across all your accounts
  • Pick up a password manager (example: keeper app)
  • Use strong unique passwords with numbers and special characters  
  • Acquire a second code or “factor” to prevent attackers
  • To add two factor authentications on Facebook, go to settings> security and login> two-factor authentication
  • To add two factor authentications on Twitter, go to settings and privacy> account. In the security subsection click on review your login verification methods.

Continue reading


Linked Sites Disclaimer:  As a convenience to our customers, Centinel Bank provides this list of helpful websites to third-party organizations that provide tools and resources on financial education to children, adults, teachers, parents, and more. While Centinel Bank has taken reasonable measures to ensure that the information linked from this site are complete, correct, and up to date, Centinel Bank does not guarantee that it is free from errors or omissions or that the information contained on the site is suitable for your intended use. Permission to these linked websites have been granted to Centinel Bank, however the websites are not under control by Centinel Bank and Centinel Bank is not responsible for any content on any linked site. Website links are provided as a convenience and accessing third-party sites from the Centinel Bank website should be done at one’s own risk. Use and access of this site implies your acknowledgement and acceptance of this Disclaimer.