FDIC-Insured - Backed by the full faith and credit of the U.S. Government
SECURITY & FRAUD AWARENESS
Stay informed.
Stay alert.
Protecting your financial information is a team effort. Central Penn Bank & Trust is committed to helping you recognize potential threats, safeguard your information, and take action when something doesn't seem right.
Central Penn Bank's Commitment to Security
Safeguarding your confidential information is one of our highest priorities. The guidance below explains what to expect from Central Penn Bank & Trust and how you can help protect your accounts.
What We Will Never Do
Central Penn Bank will never request personal or confidential customer information by telephone, email, mail, or text message, including:
- Account or Online Banking Passwords
- One-time Security or Verification Codes
- Debit Card PINs
- Full Social Security Numbers or TINs
- Full Debit / Credit Card Numbers
- Other Confidential Customer Information
We will not ask you to install software or require changes to established banking procedures without securely communicating those changes to you.
Be Alert for Fraudulent Emails
Fraudulent emails may be designed to appear as though they originated from Central Penn Bank & Trust or another financial institution.
Do not respond to an email requesting personal or confidential information and do not click on links or open unexpected attachments. Contact us directly if you are unsure whether a communication is legitimate.
How We Verify Your Identity
When you contact us, we may as you to verify multiple pieces of information to confirm your identity and protect your accounts. This information may include:
- Challenge questions established with the bank
- A joint account holder's name, if applicable
- The last 4 digits of you TIN
- A daytime phone number
- Your most recent deposit
- Out of wallet questions, such as the color of your eyes, an approximate loan payment, or additional accounts held at Central Penn Bank
Because fraudsters may have access to personal information, our team may use multiple verification methods to help ensure we're speaking with the correct customer before discussing account details.
Keep Your Contact Information Current
Notify the bank promptly if your phone number, email address, mailing address, or physical address changes. Keeping your information current helps us verify your identity, deliver important communications, and maintain secure access to services like Online and Mobile Banking.
How We Help Protect Your Information
Central Penn Bank uses a layered security approach, including multi-factor authentication, as a part of a comprehensive information security program designed to protect confidential information.
Simple Steps to Protect Yourself
Pause Before Acting
Fraudsters often create a sense of urgency and panic to pressure you into making quick decisions. Before acting, pause, verify the request through a trusted source, and speak with a trusted family member, friend, or financial professional. Sometimes, taking a moment to slow down is your best defense.
Strong, Unique Passwords
Use a different password for each important account. Avoid names, birthdays, and common words. Consider using a passphrase.
Multi-Factor Authentication
A second verification step adds an additional layer of security if a password is compromised. Never share a one-time security code with someone that contacts you.
Monitor Accounts Regularly
Review your balances, statements, and debit card transactions on a regular basis. If you are an online or mobile banking user, we recommend doing this task daily, including setting up transaction alerts.
Device Updates
Install current updates for your phone, tablet, computer, internet browser, and security software. Updates often include important security fixes.
What to do if you suspect fraud
Contact Central Penn Bank & Trust immediately if you clicked on a suspicious link, shared confidential information, noticed unauthorized activity, believe you online or mobile banking credentials have been compromised, or lost your debit card. Acting promptly may help limit losses and preserve certain consumer protections under federal law.
Debit Card Fraud: 800-754-4128
Legacy Norry Bank Debit Cards: 888-877-6623
Suspected Fraud or Customer Support: 888-966-6282
Business Fraud Prevention
Businesses can be targeted through phishing emails, altered payment instructions, account takeover, and fraudulent wire transfers. A few consistent practices can help reduce risk:
- Verify payments and wire instructions directly with the vendor using a trusted contact method
- Train employees to recognize suspicious messages and unexpected requests
- Use strong passwords and multi-factor authentication
- Review account activity regularly
- Establish internal approval procedures for significant transactions
Frequently Asked Questions
Will Central Penn Bank & Trust ever ask for my password?
No. We will never ask for your online or mobile banking password, one-time verification code, or debit card PIN.
What should I do if I receive a suspicious text message or email?
Do not click links, open attachments, respond, or provide information. If you feel that your information may have been compromised, contact Central Penn Bank right away.
What should I do if I clicked on a suspicious link?
Contact the bank immediately at 888-966-6282. Even if you are unsure whether information was compromised, our team can help review the situation.
How do I report debit card fraud?
Call 800-754-4128 immediately. If you are a Legacy Norry Bank customer, call 888-877-6623. During normal business hours, also contact our Customer Service team directly at 888-966-6282 or visit a local office and they will direct you on next steps.
How can I better protect my accounts?
Use strong, unique passwords or passphrases, enable multi-factor authentication, monitor account activity regularly, keep your contact information up-to-date, and verify unexpected requests before taking action.
Can I manage my debit card through the Central Penn Bank mobile app?
Yes. Eligible debit cards can be managed through the Central Penn Bank mobile app, including the ability to temporarily turn a card on and off.
When in doubt, reach out.
Fraudsters often rely on urgency and confusion. If you ever receive a suspicious call, email, or text message, contact our team before taking action. We're here to help you stay informed and protected.
