Desktop Search
Mobile Search

Century Bank MasterCard® Debit Card

Online Banking

Mobile View

Apply For Online Banking

Online Banking

Desktop View

Apply For Online Banking

My Fraud Protection

Protect yourself from Debit Card Fraud

Fraud Protection Click Here

We think you’ll agree, a visit to your local coffee shop or shopping around town is much easier with a Century Bank MasterCard® Debit Card.

Not only is a debit card easier to carry with you, a MasterCard® debit card gives you access to your account anywhere MasterCard®is accepted for payment.

Your Century Bank Debit MasterCard® is enhanced with EMV chip technology. This means that your debit card will have additional security features and can be used at chip-enabled payment terminals—close to home and around the world. Use your Century Bank Debit MasterCard® at point of sale terminals or ATMs where MasterCard® is universally accepted.

To learn more about the Century Bank Debit MasterCard® chip technology click here.

Debit Card features:
  • Included with a Century Bank Checking account
  • EMV - Chip Card Technology
  • Flexibility – shop, get cash at ATM’s and more
  • Global – Widely accepted where you see the MasterCard® symbol
  • Secure – Extensive fraud protection controls
Additional benefits for MasterCard® Business Debit Card Customers*:
  • Zero Liability - automatically protects against unauthorized purchases
  • MasterRental®  -  Provides primary coverage for eligible rental vehicles
  • MasterAssist® - Povides cardholders with travel-related assistance
  • MasterCoverage® – protects companies from possible card misuse by employees
  • Purchase Assurance® - Coverage against theft or damage to most new items purchased with your eligible MasterCard up to 90 days from the date of purchase.

*Please refer to the MasterCard® Guide of Benefits for additional information regarding these services which may include additional fees and other terms and conditions. You may request a copy anytime at any of our convenient locations or by calling 505.995.1200.

 Debit Card Services

Request a Century Bank Debit Card

Once you open a new Century Bank checking account, or if you have an existing account you can request a debit card in one of the following ways:

  • Call us at 505.995.1200 or toll free 877.424.2828
  • Visit a local branch

Your new cards should arrive in the mail within 1-3 business days.

Activating your debit card

There are four ways to activate your debit card:

  • Call us at 505.424.2888 or toll free 1.877.424.2828
  • Sign into Online Banking
  • Activate at any Century Bank ATM
  • Visit a local branch
MoneyPass®  ATM Network

Century Bank has an agreement with the MoneyPass® ATM network to allow our customers to use any MoneyPass®ATM machine without incurring a “Foreign ATM Service Charge” from the owner of the ATM.  The MoneyPass® network offers tens of thousands of service charge-free ATMs throughout the United States.   A complete listing of MoneyPass® ATM locations and directions are available at  Please see Century Bank’s Fee Schedule for a complete listing of bank fees.

As always, when you use your Century Bank ATM/Debit Card at a Century Bank ATM, we will NOT assess a service charge for the transaction.  In addition, you have the option of receiving cash back without a service charge at many retail merchants (including grocery stores) when you make a purchase with your debit card.

Purchase and Withdrawal Limits

Century Bank debit cards come with the following daily limits:

  • Daily POS (Point of Sale) is $1,000
  • Daily ATM withdrawal limit $500.

If you ever need a temporary increase you may call us at 505.424.2888 or toll free 877.424.2828.  You may also visit your local branch.

Travel Notifications IMPORTANT!!

Century Bank recommends that you contact us prior to traveling to place a travel notification on your debit card(s) to reduce the possibility of card access being interrupted.

It’s easy to set up a Travel Notification:

  • Log in to your Online Banking account and send us a Secure Message with the dates and location of your upcoming trip.
  • Call us 505.424.2888 or toll tree 877.424.2828

For your protection, we will continue to monitor debit card activity even when a travel notification is in effect.

Please note that you may be required to use your PIN when making certain types of transactions outside of the State of New Mexico.

Changing your Personal Identification Number (PIN)

If you know your PIN: Visit any Century Bank ATM or step inside any branch and we’ll be happy to change it for you.

If you do not know your PIN: Please visit a local branch and we’ll help you change your PIN.

Debit Card Security

Report a Lost or Stolen Debit Card

In most cases, you will not be held liable for unauthorized use of your Debit or ATM card if you report your card lost or stolen in a timely manner.Let us know immediately if your card has been lost, stolen, or if you notice any suspicious activity on your Century Bank accounts.

Online Banking customers can deactivate a Debit or ATM card by signing on to Online Banking.  Choose “Options” on the main menu; Choose ATM/Debit Card and click the box in the “Lost/Stolen” column beside the card to be deactivated.

During normal banking hours, call our Customer Service Center at 505.424.2888, to report your lost or stolen card, or to report suspicious activity.

If your card has been stolen, is lost, or if you discover suspicious activity on your accounts using your Debit or ATM card after hours or during a weekend, call 1.866.546.8273.  You will need to provide:

  • The bank’s name and city, state or our ABA number of 307072443.
  • The exact name on the card.
  • Your full address and a day time phone number.
  • The reason you are requesting the card  be cancelled.

You may also call our Telephone Banking system at 505.424.2828, select 1 for English or 2 for Spanish and then option 5 to deactivate your ATM or Debit card.

Call our Customer Service Center at 505.424.2888 during banking hours to arrange for a replacement card.

If you believe you may be a victim of identity theft, click here.

My Fraud Protection - Debit Card Fraud Protection Services
At Century Bank, we are concerned about the safety of your bank accounts. Century Bank is now offering the following services to help protect you from fraud.

Fraud Center

Fraud Center provides proactive monitoring of debit card transactions using transaction profiling to identify fraud patterns as transactions occur. The system examines historical spending patterns and builds a customer profile to identify high risk transactions that may be outside your normal spending habits.

High risk debit card transactions will be reviewed by a Fraud Analyst who will evaluate the transaction in conjunction with recent activity. The Fraud Analyst will attempt to contact you using the phone numbers we have on record. If there is no answer, the Fraud Analyst will leave a message. If the Analyst is unable to verify the transaction by speaking to the owner of the debit card, a temporary block will be placed on future debit card transactions.

If your debit card is blocked because a Fraud Analyst is unable to reach you, the Analyst will provide a phone number to reply to the message in order to remove the temporary block. You may also call Century Bank at 505.424.2888 during normal business hours to have the block removed.

When a Fraud Analyst calls, you will be asked to verify whether a specific transaction is valid. It is important to note that the Analyst will not ask for personal information, such as your account number, the CVV code located on the back of the card, card expiration date, Social Security number, etc.


For more protection against potentially fraudulent Century Bank Debit Card transactions, enrolled cardholders can receive text alerts with smsGuardian.  This service gives Century Bank ATM / Debit Cardholders the ability to receive and respond to text message alerts on a designated mobile phone or other sms text message device. The number of alerts received will be based on card usage. Cardholders will not receive more than one message per transaction on each enrolled Century Bank MasterCard® debit card. While we do not charge for this service, message and data rates may apply.

Features and Benefits

Easy enrollment

Two-way text communication

Enroll up to ten devices

Do-Not-Disturb window capability

One year enrollment period

Supports all major phone carriers


Triggering Transactions


An alert is generated with an approved authorization originating outside the U.S.

Greater Than $300

An alert is generated with any approved transaction greater than $300.

More Than 6 transactions Within 24 Hours

An alert is generated for more than 6 transactions within a 24 hour period.

Card Not Present

An alert is generated when an approved transaction was entered into the system manually, reading track one only, or manually keyed and recognized as e-commerce


How Does it Work?

After an ATM or Debit Card transaction is initiated and sent to Century Bank for authorization, we use sophisticated technology to detect if any of the triggering rules, noted above, are present. When a transaction triggers an alert, the smsGuardian system sends a text message to the mobile device that you have previously enrolled. (If you have multiple devices enrolled, they all receive the same alerts, text messages, confirmations, etc.)

Review the text message once you receive it.

If the transaction is not legitimate, immediately reply to the text message following the instructions you receive in the original text message. A unique code will be provided that you will use when replying to the text.

Your reply then sets off a series of events to block further transactions from occurring on your card. A trained fraud analyst will then send you a follow up text message noting that your card has been blocked.

You will then need to order a new card from Century Bank

If the alert is for an authorized transaction that you made, no action on your part is required.

Triggering transactions may be adjusted from time-to-time.

Only one message will be generated per triggering transaction on each enrolled card.

Some mobile service providers require a 30-day subscription reminder message to cardholders participating in the smsGuardian program. If your mobile service provider is Sprint, Nextel, Boost, or Virgin, you will receive an alert message every 30 days reminding you of your enrollment. The alert message will display as "Reminder:  You have subscribed to Guardian transaction alerts for Century Bank. Message and data rates may apply. Reply HELP for help. Reply STOP to cancel."

To view Terms and Conditions click HERE and enter your Debit Card number.


Frequently Asked Questions
Is there a fee for using smsGuardian?
While Century Bank does not charge for this service, message and data rates may apply. Please contact your wireless provider for more details.
How long do I have to respond to a text message alert?
When an initial text is sent from smsGuardian, the system allows you up to 12 hours to respond to the message at which point it times out.
Must I use the unique code when replying to the text in order for the system to recognize that the transaction is fraudulent?
Yes, if you reply to the text message with anything different, such as "yes this is fraud" or "not my transaction", the system will not recognize it and ignore it.
What do I do if the transaction is valid?
If you receive a text alert on a good transaction, simply ignore the text. No reply from you indicates to the system that the transaction is good.
How do I stop receiving smsGuardian alerts?
Simply reply to an alert by texting "STOP". All cards tied to that phone number will no longer receive text alerts. You may also unsubscribe from this service entirely on the website (click HERE). Cardholders can also discontinue alerts by texting the word "STOP" TO 27576.
Once I enroll, do I have to renew my enrollment?
Yes. The enrollment period is for 1 year. You can enroll for multiple 1 year terms in succession.
Can I set my own Do-Not-Disturb window?
We respect your wish not to bothered, so we allow you to determine time periods when a text should be sent. Any alerts generated during your Do-Not-Disturb period will be stored and delivered to you after the cycle ends. The Do-Not-Disturb period may not exceed 12 hours.
What if I need more help or have other questions about sms Guardian?
If you need more help with smsGuardian, you may reply to an alert message with the word "HELP". You may also click the "Service Usage Guide" link on the website (click HERE) or call 888.868.8611. During normal business hours, you may also call Century Bank at 505.424.2888.



Century Bank does not charge for this service, however, message and data rates may apply. Please contact your wireless provider for more details.

For more questions, please contact us at 505.424.2888.


Protect Your Century Bank Debit Card - IMPORTANT TIPS!
  • Treat your card like cash and keep it in a secure location.
  • Don’t write your PIN on your card, keep it with your debit card, or share it with anyone.
  • Don’t use obvious or easily guessed numbers for your PIN, such as your date of birth or “1111” or “1234”
  • Don’t provide your account number to anyone or allow anyone to use your debit card.
  • Check your monthly statements for unauthorized transactions.  Contact Century Bank immediately at 505.424.2888 if there are any suspicious charges.
  • IMMEDIATELY contact Century Bank at 505.424.2888 if your debit card is lost or stolen.  To report a lost or stolen card after business hours, please call 1.866.546.8273.
  • For security purposes, please activate your card upon receipt.