Fraud Alert Information

Take steps now to protect your personal information and help prevent identity theft and bank fraud. Never give personal information; review bank statements monthly, and review your credit report yearly.

What to do:

  • Monitor your account and all transactions closely
  • Notify us immediately if you find any suspicious activity

First Century Bank will “NEVER” ask to verify your account information.

  • We will NEVER ask for your passwords or pin numbers. This means we will NOT send you an email or text requesting any information from you

You can help protect yourself against fraud by:

  • Trust your instincts – DO NOT validate any personal and/or sensitive information requested by callers, emails or text.
  • Stay Suspicious - Like you’ve always heard, be wary of any offer that sounds too good to be true.
  • Communicate with Us - Contact First Century Bank if you receive a request for personal and/or sensitive information by calling 423-626-7261
  • Use Online Banking - Monitor your account after a day out shopping. Make sure only valid transactions have been posted to your account.
  • Stay Alert – Look around when using your debit card, see if someone is watching. Cover your hand as you enter your pin to prevent your pin from theft.
  • Hang On To Belongings – Make sure you zip your purse, buckle it to the cart, or keep it on you at all times

Online Shopping Safety Tips:

  • Always Log Out of Online Banking before you close your browser window.
  • Use strong passwords – Setup passwords for your cellular devices, make sure your passwords are at least eight characters long and contain a variety of upper/lower letters, numbers, and symbols.
  • Practice safe surfing – When searching for holiday items, use safe search options within your anti-virus software and never open a website you feel uneasy about.
  • Be careful when clicking – Don’t click on links in messages from people you don’t know, and us a URL expander to know what site you are going to before clicking on a shortened URL.
  • Keep your Anti-Virus software up to date.
  • Educate yourself – Keep up to date on the latest scams and tricks cybercriminals use, so you can learn to recognize scams and avoid potential threats against yourself.

Cellular Devices:

  • Only download apps from official app stores, check users’ reviews and read the app permission policies
  • Be suspicious of deals on hot items. Try to verify them with the retailer.

Please know that First Century Bank will ‘NEVER’ ask to verify your account information. If you receive any communication asking you to provide personal and/or sensitive information, DO NOT validate the information and contact First Century Bank by phone at 423-626-7261

Check Card Fraud

Check card fraud is on the rise. Monitoring your account's transactions with Online Banking daily can help keep your account safe. If you suspect you are a victim of debit card fraud, report it immediately at 423-626-7261.

Identity Theft Actions

If you believe you are a victim of identity theft, contact the following employees of First Century Bank for assistance: Information Security Officer, Compliance and Risk Management Officer or Security Officer at 423 626-7261.

Scam Notices

First Century Bank has received notification of an automated phone system that is contacting customers stating that their card has been stopped. The customer is then prompted to key in their card information. First Century Bank will never contact you for your card information. If you have been contacted, do not key in any information. If you have already given out your information, contact a First Century Bank office immediately.

Regulation E Coverage

Consumers are covered under Regulation E which controls Electronic Banking products such as Online Banking, Telephone Banking, Remote Deposit Capture, ACH, Wire Transfer and ATM/Debit Card Banking. Consumers are defined as customers who are not businesses; i.e. corporations, LLCs, etc.

Protecting your Online Banking Account

First Century Bank recommends that you NEVER share your personal Online Banking information, including your login and passwords. For more details on protecting your Online Banking account click here.

Phishing Alert Details

Please know that First Century Bank will ‘NEVER’ send you an email asking for your personal information. If you receive an email asking you to provide personal and/or sensitive information, DO NOT click on any link and DO NOT send the information. Even if the website and/or email appear genuine – DO NOT CONTINUE; STOP immediately and contact First Century Bank by phone.

Please contact First Century Bank for questions or concerns at (423) 626-7261.

Identity Theft Recovery Steps

For Identity Theft Recovery Steps, visit for more information.