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Debit Cards

Mastercard® Debit Card

With your Centinel Bank debit card there is not a need to carry cash or checks. Swipe your debit card wherever Mastercard® is accepted, and your purchases are simply deducted from your checking account. When you need cash, the card doubles as an ATM card.

There are no interest charges since your payments are automatically deducted from your checking account and the amount used will be listed on your monthly checking statement. We issue debit cards instantly at our Main Office- It only takes a couple minutes and you're out the door!

Request a debit card

  • More security than writing a check
  • EMV chip technology for improved global usability and added security
  • The ability to manage card security in our Centinel Bank Mobile App
  • Mastercard Global Service™
  • Accepted at millions of locations worldwide
  • 24/7 Fraud monitoring
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.
  • Login to your online banking/mobile banking app, select "Manage Cards" and report lost or stolen.
  • Or call us:
    • 1-888-297-3416 (24-Hour Automated Banking)
    • 575-758-6700 (during business hours)
Here’s how it works:
Our Debit Card Fraud Monitoring tool reviews normal card usage to identify unusual account activity. If any transaction appears outside normal spending patterns, Centinel Bank’s automated service will contact you to verify these transactions. We will contact you by:
  • Text Message: You will receive a text alert from 32874. Text will include the last 4 digits of your debit card number, transaction amount, and 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

Important Information to Remember:

  • If you identify any unauthorized debit card transactions, contact our Fraud Center immediately.
  • Manage your debit card with Online or Mobile Banking "Card Management" option to disable your debit 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 numbers or other contact information.
  • Monitor your account closely.
  • Online, Mobile, and Text Banking services allow 24/7 access to your accounts.
Do you know the difference between a debit and a credit card?
Read about how they differ.
The Centinel Bank Mastercard® Credit Card offers a competitive APR with no Annual Fees.

The Centinel Bank Mastercard® Credit Card allows you to make purchases anywhere you see a Mastercard® logo. Simply present your card at the time of purchase. You can receive cash advances from tellers at any financial institution when the need arises. Plus, you can use it at any ATM for a cash advance by entering your PIN.

Learn more about Centinel Bank's Mastercard® Credit Card.

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Security & Fraud Prevention

Your security is important to us.

Check out how we keep all of your information safe and secure.