Shazam Falcon®

Shazam Falcon®: If suspicious transactions are detected on your debit card, a SHAZAM fraud specialist may attempt to contact you by telephone to verify the authenticity of the suspicious ATM/Debit transaction. They will not ask you for your Social Security number, PIN Number or Account Number. If you suspect your card may have been blocked due to suspicious transaction you may contact Shazam Fraud monitoring at (855) 219-5399.

Report Lost or Stolen Card

Please Notify Us If You Are Traveling

Please contact the Central Bank Debit Card Department at 309-944-5601 or send a secure message through your internet banking profile. We will notify Shazam of the dates and location of your travel. This will assist us if suspicious transactions arise.

Best Practices When Using Your Debit Card

  • The card requires you to use the chip if it is a chip reader. Chip transactions are more secure.
  • Use your PIN whenever possible. This is another layer of identification.
  • Beware of trial offers – you are probably signing up for a continued pay service past the free trial.
  • Research online companies before you buy. See what other people are saying about the company.
  • Look for who’s behind the offer. Just because you’re buying something online from one company doesn’t mean the offer or pop-up isn’t from someone else.
  • Set up debit alerts through Brella. You can receive text alerts whenever your card is used. With Brella, you can even turn your card off if you lose it or suspect it’s been stolen or used fraudulently.



Security Awareness Training: SANS is a trusted source of Cyber Security related information. Please take a few minutes to review some of the valuable information available at their website.

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Identity Theft

Nearly one American every minute is a victim of identity theft. The thieves don’t need much. A receipt you left behind. A bill mailed from your mailbox. A missing check. Information provided over the Internet to strangers. You get the idea.

Identity theft, also called “account takeover fraud,” involves criminals stealing individuals’ personal credit information and assuming their identities by applying for credit in their names, running up huge bills, stiffing creditors and generally wrecking victims’ credit histories.


Simple Steps to Safeguard Your Identity

At Central Bank, we put a combination of safeguards in place to protect customers, including employee training, rigorous security standards, data encryption and fraud detection. You can take these steps to avoid becoming a victim:

  • Don’t give your Social Security, personal credit information or account numbers to anyone who calls you. Criminals use this information to open new charge accounts posing as you.
  • Tear up or shred receipts, old bank statements and unused credit card offers before throwing them away. Crooks could steal information from your trash and use it to get credit in your name.
  • Watch for missing mail and don’t mail bills from your own mailbox with the flag up. An identity thief may steal your mail and file a change of address form with your credit card company or the U.S. Postal Service.
  • Review your bank and credit card statements as soon as you receive them to check for unauthorized transactions.
  • Protect your PINs and computer passwords; use a combination of letters and numbers and change them often. Never carry this information with you!
  • Order copies of your credit report once a year to ensure accuracy. Call any of the three national credit reporting agencies:
  • When conducting business online, make sure your browser’s padlock or key icon is active.
  • Don’t open e-mail from unknown sources and use virus detection software.
  • Report any suspected fraud to your bank and credit card issuers immediately so they can start to close accounts and clear your name right away. You may also contact the Federal Trade Commission’s ID Theft Consumer Response Center toll free at (877) IDTHEFT.

Restoring your identity can be a tremendous inconvenience. It’s worth your while to exercise a little preventive maintenance. Protect yourself against this terrible crime.

Steps to Take if You are a Victim

If you suspect misuse of your personal information to commit fraud, take action immediately. Keep a record of all conversations and correspondence when you take the following suggested steps:

  • Contact your bank(s) and credit card issuers immediately so that the following can be done: access to your accounts can be protected; stop payments on missing checks; personal identification numbers (PINs) and online banking passwords changed; and a new account opened, if appropriate.
    • Be sure to indicate to the bank or card issuer all of the accounts and/or cards potentially impacted including ATM cards, debit cards and credit cards. Customer service or fraud prevention telephone numbers can generally be found on your monthly statements. Contact the major check verification companies to request they notify retailers using their databases not to accept these stolen checks. Three of the check verification companies that accept reports of check fraud directly from consumers are:
  • File a police report with your local police department. Obtain a police report number with the date, time, police department, location and police offer taking the report. The police report may initiate an investigation into the loss with the goal of identifying, arresting and prosecuting the offender and possibly recovering your lost items. The police report will be helpful when clarifying to creditors that you are a victim of identity theft.
  • Contact the three major credit bureaus and request a copy of your credit report. Review your reports to make sure additional fraudulent accounts have not been opened in your name or unauthorized changes made to your existing accounts. Check the section of your report that lists “inquiries.” Request the “inquiries” be removed from your report from the companies that opened the fraudulent accounts. In a few months, order new copies of your reports to verify your corrections and changes to make sure no new fraudulent activity has occurred. Request a “fraud alert” for your file and a victim’s statement asking creditors to call you before opening new accounts or changing your existing ones. This can help prevent an identity thief from opening additional accounts in your name. Here are the major credit bureaus and their phone numbers:
  • Check your mailbox for stolen mail. Make sure no one has requested an unauthorized address change, title change, PIN change or ordered new cards or checks to be sent to another address. If a thief has stolen your mail to get credit cards, bank and credit card statements, pre-screened credit offers or tax information, of if an identity thief has falsified a change-of-address form, that’s a crime. Contact your local post office and police.
  • Maintain a written chronology of what happened, what was lost and the steps you took to report the incident to the various agencies, banks and firms impacted. Be sure to record the date, time, contact telephone numbers, person you talked to and any relevant report or reference number and instructions.

We hope you find these steps in safeguarding your identity helpful in managing and minimizing further risk and exposure. For more personal finance tips, visit the American Bankers Association’s Consumer Connection at


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