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Century Bank is concerned about cyber security for our clients. This page is dedicated to showing you pertinent information to protect you, your businesses and your families by sharing news, updates, and articles regarding cyber security.

Don't forget to check out our Identity Theft and Security page to learn more about this crime and ways you can protect yourself from having your identity stolen!

July 16, 2021

Fake Purchase Overpayment/Refund Scam.


Customers are reporting the following :  You receive an email indicating that they were charged for a recent purchase on a major name website.  The email asks you to verify, and if this is incorrect to call a phone number in the email.  When you call the number they apologize and offer to refund the purchase to your card or bank account, if you provide them the information (or they ask for remote control of your PC and you log in to the site).  Then, they appear to “deposit” much more than the refund amount.  The scammer pretends to panic, and says they will get fired if you don’t get them the extra money back…they tell you to purchase gift cards for the “extra” amount  at local stores and then read or photograph the card numbers to them. 

The scam here is…they never moved any money to your account, but the gift cards you give them the numbers for, are real money out of your account!

A few key things: 1) don’t call the number in an email about a purchase you did not make; 2) don’t give anyone you don’t know remote access to your PC (and especially not when you are logged in to your online banking); and 3) if you are being asked to purchase gift cards…there is a 99.99% probability it’s a scam!


If you receive any communication like this, stop, don’t give the scammer any personal information.  Hang up, then call us at 505.995.1200 and let us know.

April 13, 2021

Scammers are calling Century Bank customers indicating that they are from Century Bank Security. 

During these calls the scammers ask customer for their Debit Card Pin, or their Secure Access code for Online banking, or their user ID and password for online banking.

Please note that Century Bank will NEVER call you, and ask for any of these things (we already know all of them except the Secure Access Code).

If you receive a call like this, stop, don’t give the scammer any personal information.  Hang up, then call us at 505.9951200 and let us know.

What are some classic warning sights of possible fraud and scams?

There are several signs that indicate you might be dealing with a scammer.

They include contact from someone:

  • Calling or emailing you, claiming to be from the government and asking you to pay money.
  • Asking you to pay money or taxes upfront to receive a prize or gift
  • Asking you to wire them money, send money by courier, or put money on a prepaid card or gift card and send it to them.
  • Asking for access to your money-such as your ATM cards, bank accounts, credit cards, or investment accounts.
  • Pressuring you to "act now" or else the deal will go away. Or someone who seems to be trying hard to give you a "great deal" without time to answer your questions. 

To report a scam, you can submit a complaint with the Federal Trade Commission. You can also contact your local police or sheriff's office or your state attorney general's office to report the scam. 

Visit the National Association of Attorneys General for the contact information of each state attorney general.

July 18, 2019

FBI Joins International Campaign to Stop Money Mules

The FBI is joining with law enforcement partners worldwide to raise awareness of and curtail this illegal movement of funds, which is fueling the growth of crimes across the globe. The FBI defines a money mule as a person who transfers illegally acquired money on behalf of or at the direction of another. Money mules often receive a commission for the service or provide assistance because they believe they have a trusting or romantic relationship with the individual who is asking for help. Aiding criminals by acting as a money mule can land you in prison and permanently damage your financial standing. The FBI has published an informative booklet explaining what a money mule is, the complicity spectrum, indicators, potential consequences, and how to protect yourself.

May 8, 2019

New Cyber Fraud

This week we learned of a new type of cyber fraud.

The Payroll clerk of a local company received an email from one of their “employees” requesting information on how to change his direct deposit information. The Payroll clerk responded via email to the “employee” and asked him for a voided check for the new account number. The “employee” provided a copy of a check in an email. Unfortunately, none of this communication or account information was from the real employee. The payroll clerk made the change and the direct deposit was sent to the account provided by the fraudster. Upon receipt of the direct deposit, the funds were immediately withdrawn and the account was closed.

Points to consider regarding this situation:

  • The company email address for the “employee” was not used in the communication exchange. This may or may not have been a red flag if the company allows the use of both company and personal email addresses;

  • There was no direct communication to verify the “employee’s” identity and confirm the request, such as a phone call.

Further research showed that the employee’s personal email was compromised and the fraudster was able to obtain a copy of the employee’s pay stub. This employer emailed pay stubs to employees. The pay stub included the employee’s name, address, confirmation of direct deposit and the email address of the Payroll Clerk.

Please revisit your procedures in distributing pay stubs and how you confirm requests to change direct deposit information. You may want to consider a phone call to the employee requesting the change for confirmation.

Emails requesting a change to payment information or sending funds via ACH or wire transfer should be confirmed in person or by phone with the person making the request. This would include any email from an employee, supervisor, manager, vendors or any other person making an unusual request.

Taking these precautions could prevent a potential loss. Should you have any questions about a situation you may be experiencing or need help with any transaction, feel free to contact any local Century Bank representative.

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