PERSONAL BUSINESS WEALTH MORTGAGE LOGIN "> Authorized versus Unauthorized Transactions While consumers regularly face fraudulent and scam attempts to gain access to their private information or persuade them into making a payment for a good or service, it is important to know the difference between authorized versus unauthorized transactions and the protections offered by Centennial Bank. Fraud is when someone gains unauthorized access to your money. If someone gains access to your account and makes a payment, stole money or sent it without your permission, this could be defined as fraud, which is a form of unauthorized transactions. Because the consumer did not authorize a payment, a refund of the money is typically made after reporting the incident. A scam takes place when a consumer authorizes a payment, but they did not receive what was expected. Even if the consumer does not receive what they were expected in return for a payment, this is still an example of an authorized transaction since they authorized the payment. It is important to contact Centennial Bank at (888) 372-9788 if you feel you’ve been scammed or have been a victim of fraud. Under the Electronic Funds Transfer Act, consumers have legal rights and protections for cases involving unauthorized transactions. NEWS CATEGORIES All News Posts Need help? Customer Care Center Get in Touch Need assistance with something? Our team members are available to help you Monday to Friday 7am - 7pm CT / 8am - 8pm ET Saturday 8am - 2pm CT / 9am - 3pm ET. (888) 372-9788 ONLINE HELP CENTER Choose a Topic Customer Care Center Personal Loans Mortgage eStatements Treasury Management Receivable Financing Centennial Diamond Club SBA Loans Business Loans Dealer Finance Condo / HOA (Association Banking) PLEASE DO NOT Send Confidential Information such as account or social security numbers using this form. SEND MESSAGE I WANT TO Open Checking Account Online Switch to Centennial Save the CENTS Apply for a Home Loan PRODUCTS Personal Banking Business Banking Mortgage Wealth Management COMPANY About Us Investor Relations Community Involvement Careers SUPPORT Help Center Lost or Stolen Card Unauthorized Account Activity Card Not Working Copyright © 2021 Centennial Bank | All Rights Reserved | Privacy Policy | COPPA Privacy Policy Routing Number: 082902757 FOLLOW US! Contact Sitemap Careers Accessibility Schedule of Fees Terms of Use Information Security