The security of your personal information is always a priority at Century Bank. We work hard to help ensure your account information stays secure.
How We Protect You
Read about the precautions Century Bank takes to make sure your online information stays safe and secure.
How to Protect Yourself
Read about how you can help protect your personal and financial information from fraud or theft.
Century Bank makes every effort to inform our customers of security related incidents--whether suspected or actual--including security breaches, phishing scams, fraud attempts, etc. In addition to the Security Alerts page, security related incidents may be posted on the Online Banking login page.
Email sent within the Century Bank Online Banking service or sent using our Secure Email service is encrypted and therefore secure. However, email sent to us through other means may not be secure. Therefore, we ask that you do not send confidential information such as your Social Security number or account numbers to us via an unsecured email. Such communications should be sent to us using either of our secure email options, postal mail or you may visit one of our branches.
In addition to our other ways of preventing, detecting, and resolving fraud, we offer Verified by Visa, a free, simple-to-use service that confirms your identity with an extra password when you make an online transaction. It's easy and only takes a few moments to activate your card. You can do it on the secure Visa website or when prompted during the checkout process at one of Visa' participating online merchants. Either way, your information is protected.
Ensuring the security of your personal information is important to us. When you login to online banking, your UserID and Password are secure. The moment you click the Login button, we encrypt your UserID and Password using Secure Socket Layer (SSL) technology. SSL technology encodes information (using encryption) that is being sent over the Internet between your computer and Century Bank, helping to ensure that your information remains confidential.
From the moment account information leaves your computer to the time it enters Century Bank's system, all online Banking and Bill Pay sessions are encrypted. Century Bank employs some of the strongest forms of encryption commercially available for use on the Web today.
During any transaction, our 128-bit encryption turns your information into a coded sequence with billions of possible variations, making it nearly impossible for unwanted intruders to decipher. Century Bank's computers possess the proper formulas to turn this code back into meaningful information and complete your transaction.
Look for a "closed lock" icon in your web browser to determine if encryption is being used on any Web page you are viewing. Any Web address beginning with "https://..." indicates the page you are viewing uses encryption. The "s" stands for "secured."
This superior security technology protects your accounts from unauthorized access. It identifies you as the true "owner" of your accounts by recognizing not only your password but your computer as well. If we don't recognize your computer - you've logged in from a public computer or one you haven't used before - we'll ask you for information that only you will know or allow you to complete our one time pass code feature as an additional line of defense to prevent unauthorized access. With Enhanced Login Security, you'll be protected from whatever computer you're using, whether you're at home or on the go.
Century Bank's Online Banking service will automatically log you out Online Banking after 40 minutes of inactivity. This reduces the risk of others accessing your information from your unattended computer. You can reduce this default time limit by visiting "User Settings" withing Online Banking.
Identity fraud and identity theft are crimes in which an imposter obtains key pieces of information such as Social Security number, driver's license number, or account numbers and uses them for his or her own gain.
Identity fraud is usually limited to an isolated attempt to steal money from an existing account, such as a charge on a stolen credit card.
With identity theft, a thief uses stolen personal information, such as a Social Security number or bank account number, to open accounts or initiate several transactions in your name. This may cause financial loss or damaged credit.
In general, identity theft is more extensive than identity fraud. If fraudulent transactions occur on your account, it does not automatically mean your identity was stolen. It may be an isolated incident of theft that can be quickly resolved.
As in all crimes, taking actions to prevent identity fraud or identity theft from occurring in the first place is key.
Identity theft and identity fraud are portrayed as high-tech crimes affecting only those people who shop, communicate, or do business online. However, while thieves can obtain personal information via online methods, the majority of identity theft and identity fraud occurs offline. Stealing wallets and purses, intercepting or rerouting mail, and rummaging through garbage are some of the common tactics that thieves use to obtain personal information.
How can you prevent becoming an identity theft victim? While no one can totally prevent this crime from occurring, here are some positive steps to take which will decrease your risk.
"Phishing" (pronounced "fishing") occurs when criminals use e-mail, phone calls, or text messages to try to lure you to fake websites, where you're asked to disclose confidential financial and personal information, like passwords, credit card account numbers and Social Security numbers. While the most common type of phish is an e-mail threatening dire consequences if you do not immediately log in and take action, fraudsters may also contact you by telephone or send a text message to your cell phone or PDA.
You should never respond or reply to an e-mail. phone call, or text message that:
Phishing is usually a two-part scam involving emails and spoof websites. Fraudsters, also known as phishers, send email to a wide audience that appears to come from a reputable company. This is known as a phish email. In the phish email, there are links to spoof websites that spoof or imitate a reputable company's website. Fraudsters hope to convince victims to give up their personal information by using clever and compelling language, such as an urgent need for you to update your information immediately or a need to communicate with you for your own safety or security. Once obtained, personal information can be used to steal money or transfer stolen money into another account.
NOTE: If you receive a fraudulent email that appears to come from Century Bank, this does not mean that your email address, name, or any other information has been taken from Century Bank's systems. Nor does it mean that your financial information has been compromised.
Online fraudsters may attempt to direct you to fraudulent websites via emails and pop-up windows. These websites are used to try to obtain your personal information. One way to detect a phony website is to consider how you got to the site. You may have followed a link in a fraudulent email requesting your account information. Therefore, you should not click on any links in suspicious emails or pop-up windows.
Fraudsters may use pop-up windows -- small windows or ads -- to obtain personal information. These windows may be generated by programs hidden in free downloads such as screen savers or music-sharing software. While many of these programs are harmless, some contain potentially harmful Trojan horse programs or "spyware" that capture your keystrokes or monitor your web viewing activity.
Century Bank does not use pop-up windows to request customer account information. All of our pop-up windows are user-initiated. We will never display a pop-up window on our site that you haven't requested by clicking on a link. Furthermore, Century Bank will NEVER ask for your online banking password, account numbers, or Social Security number via email, pop-up window, text message, or unsolicited phone call even if there is a need to reset your account.
For your protection, we recommend that you do not share your online banking UserID or Password, or give out your password by email or telephone.
Tips for keeping your password unique and safe:
Check the strength of your password by using
Microsoft's Password Checker.
Note: the Password Checker does not record your password.
How can you tell if a web page is secure? Anytime a website asks you for sensitive information, you need to be able to identify if the site is secure or not. The ability to recognize a secure web connection is extremely important as online fraud cases have increased substantially from year to year.
There are two general indications of a secured web page:
Century Bank may provide access to information, products or services offered on websites that are owned or operated by other companies ("third party websites"). We provide this access through the use of hyperlinks that automatically move you from Century Bank's website to the third party site.
While we do our best to provide you with helpful, trustworthy resources, Century Bank cannot endorse, approve or guarantee information, products, services or recommendations provided at a third party website. Because we may not always know when information on a linked site changes, Century Bank is not responsible for the content or accuracy of any third party website. Century Bank shall not be responsible for any loss or damage of any sort resulting from the use of a link on its websites nor will it be liable for any failure of products or services advertised or provided on these linked sites.
Use antivirus software to reduce the risk of your computer becoming infected. We recommend that you purchase software that automatically upgrades your virus protection on a recurring basis.
Follow these guidelines for additional virus protection:
Please be advised that email, in general, is NOT considered a secure method of communication.
If you think you've received a fraudulent email, but you haven't acted on it: Please forward it to email@example.com so we can investigate. This does not mean that your email address, name, or any other information has been taken from Century Bank's systems. Nor does it mean that your personal or financial information have been compromised.
If, however, you replied to the email or followed a link and provided any confidential personal or financial information in what you suspect was a fraudulent email, please contact us immediately at . Your account may be compromised, and you may want to close your existing account and open a new one.
With a few simple steps, you can help protect your Century Bank accounts and personal information from fraudulent activity: