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2017 Equifax Data Breach

Read information regarding the Equifax data breach (PDF).

CardValet Debit Card App

Download CardValet on the App Store® or Google Play™ to stay in control of your debit card. You can disable your card with the swipe of your finger so no one can access your account. CardValet protects you when your card has been lost, misplaced, or stolen.

Activate Your Card or Change Your PIN

To activate your debit card or reset your PIN, please call one of the following numbers.

  • Consumer & Business Cards: (844) 373-1730
  • HSA Cards: (800) 992-3808

Report a Lost or Stolen Card

To report a lost or stolen card after banking hours, please call 1-800-472-3272 and tell the operator you bank with Centennial BANK.

Contact Us Immediately If You Suspect Fraud

Call us at 1-855-293-4272 to report any fraudulent activity on your accounts.

Contact the Major Credit Bureaus

You can request that the three main credit bureaus place a short or long-term "fraud alert" on your credit file. This alert requires creditors to verify your identity before opening any new accounts in your name or changing any existing accounts. 

Credit bureaus must provide victims of identity theft a free copy of their credit report. You should request one from each bureau, as the information can differ. Review your credit reports carefully for fraudulent activity. If fraud has occurred, notify the credit bureau and the companies where accounts were opened to report the fraud directly. 

For more information about the steps to take and for credit reports, contact:

Contact Other Creditors

Contact your other creditors, including credit card and phone companies, banks, and other lenders, to notify them of potential fraud. Consider following up your telephone conversations with a letter.

Close any accounts that have been breached and reopen them with new account numbers and passwords. Do not use your Social Security number as a username or password.

File a Report with the Local Police

Contact your local police department if you suspect that your personal information was stolen. A police report may lend credibility to your case when dealing with creditors, who may require proof of criminal activity. 

  • Plainview: 806-296-1182
  • Hart: 806-647-3311
  • Tulia: 806-995-3555
  • Kerrville: 830-257-8181
  • Fredericksburg: 830-997-7585
  • Lubbock: 806-775-2865
  • Boerne: 830-249-8645
  • Slaton: 806-828-2020
  • Post: 806-495-3595

Report Criminal Activity to the Federal Trade Commission (FTC)

Call the FTC hotline at 1-877-ID THEFT (1-877-438-4338) to speak with a trained identity theft counselor or submit a complaint to the FTC website.

Contact Other Agencies as Appropriate

  • Postal Inspection Service: If you believe your mail was stolen or redirected, notify your local post office.
  • Social Security Fraud Hotline: 1-800-269-0271. If you suspect someone is using your Social Security number for fraudulent purposes, call the hotline.
  • Department of Motor Vehicles (DMV): If you believe someone is trying to get a driver's license or identification card using your name and information, contact your local DMV.

Carefully Review All Your Accounts

Since identity theft takes time to resolve, you should continue to review all charges and transactions appearing on account statements and online. Immediately report any discrepancies.

The Federal Trade Commission's Identity Theft website,, allows victims to get a free, personalized identity theft recovery plan, file a complaint with the Commission and get a personalized guide to recovery. Consumers will find a video explaining how the system works, along with extensive educational materials related to identity theft. A Spanish version of the website is also available.

Consumer Protection

Protect yourself from Internet scams and fraud. Visit

More Helpful Documents (PDFs)



In today's world, small businesses need to be on alert for both internal and external forms of fraud. It has become increasingly important for businesses to protect themselves from cyber threats. Make sure you are taking the appropriate steps to educate both your business partners and staff about fraud and identity protection. The more you know, the less likely you are to become the next victim of cybercriminal attacks. Take this opportunity to learn more about how you can strengthen your security and protect your business against financial loss.

Below are suggestions and safeguards to consider that can help you learn more about reducing your risk of online fraud and identity theft. You may also find additional information at OnGuardOnline.

Many companies keep sensitive information about customers or employees in their files or on their network. The FTC has free data security resources — including free publications, videos, and tutorials — to help businesses of any size protect their customers and meet their legal obligations.

Protect Your Business

The following tips will help reduce your risk of both internal and external forms of fraud:


Establish Internal Controls

  • Limit electronic access to financial information or sensitive documents
  • Develop policies that control how financial transactions are made and implement review and authorization procedures
  • Do not regularly login with an "Admin" account other than for required administration of other users
  • Utilize Dual Control and Dual Approval for any functions that move money out of the account (for example: ACH or Wire Transfers)
  • Review and reconcile accounts daily
  • Obtain cyber liability insurance coverage to include electronic funds transfer

Secure & Maintain Computer Systems

  • Maintain appropriate network user access security if computer is networked
  • Ensure up to date firewalls, anti-virus software and spyware prevention software are in place for all computers
  • Apply computer operation system patches and updates
  • Maintain the physical security of computers and limit access to computers that are used for sensitive functions. This includes avoiding accessing social media networks or file sharing websites on PCs that are used for business purposes.
  • Provide employee training to identify potentially fraudulent emails and samples of those containing phishing tactics to obtain sensitive information
  • Do not open emails that you are not expecting to receive. If any email alerts you to take action regarding an issue, pick up the phone and contact your main correspondent, not the individual or number listed in the email.
  • Do not download or install software from unknown third parties
  • Do not open email or email attachments from an unknown source
  • Limit internet access on business computers to business requirements

Restrict Access

  • Rotate duties so that no one person is responsible for all financial tasks
  • Personally review your bank statements regularly and restrict access to financial documents, checks, credit cards and cash

Supervise & Monitor Financial Transactions

  • Adequately supervise all employees who take part in business finances
  • Continually review wires, transfers, payroll and business checks, or use an automated monitoring system

Adequately Screen Employees

  • Conduct thorough background, credit and criminal checks
  • Always check references and verify education and employment history
  • Conduct regular performance reviews

Utilize CPAs

Consider hiring and outside firm or CPA to conduct audits of your business finances. An independent audit can facilitate early detection of fraud and help identify weaknesses and areas for improvement

Conduct Regular & Unscheduled Internal Audits

In addition to regular examinations of inventory and finances, unannounced audits can deter fraud

Implement an Anonymous Reporting System

Make it easy for employees, customers and vendors to confidentially report suspected fraud. Create a written ethics code or fraud policy that states what actions are prohibited, how to report suspected fraud and what the consequences are when it occurs.



Disclaimer of Legal, Tax, Financial Advice

NOTICE: The information and content provided are general in nature and are for informational purposes only. Such information and content are provided as a convenience to you, and Centennial BANK makes no warranties, and bears no liability for, your use of the information and content. Centennial BANK does not endorse, and is not responsible for, the information, content, links, privacy policy, or security policy of any non-Centennial BANK web site links provided. The information and content made available to you are not intended, and should not be construed as legal, tax, or investment advice, or a legal opinion. You should contact your legal, tax, and/or financial advisers to help answer questions about your and your business' specific situation or needs prior to taking any action based upon the information and content.