Fraud Prevention

Steps that you can take to reduce your risk of fraud and theft

1. Never reply to emails, phone calls, or text messages that request your personal information

Citizens Community Bank will never contact you by phone or email to ask for your account numbers, PIN numbers, or any other confidential information. CCB only asks you for confidential information to verify your identity when you initiate contact with us. To contact us online, go to on your Internet browser. To contact us by phone, call 931-967-3342

2. Make a list of the contents of your wallet

Make a list of every ATM or debit card, credit card, driver’s license number and other forms of ID you carry in your wallet or purse. Keep the list in a safe place at home and update it regularly. You will need this list if your wallet or purse is ever lost or stolen. Never carry your Social Security Number in your wallet or purse. Also, never carry in your wallet any paper onto which you’ve jotted down PINs, passwords, or login information.

3. Sign up for Transaction Alerts

When you sign up for this free service, you’ll receive automatic text messages whenever CCB is given instructions for changes to your account, including:
• Balance Alerts
• Transaction Alerts
• Loan Alerts
• And more…
To enable Alerts login to your Online Banking Account, click on Alerts and setup your preferences.

4. Go paperless

Sign up for Citizens Community Bank’s free Online Statements and Internet Bill Pay. Login into your CCB online banking account and click “Profile” from the list at the top, then click "Electronic Statements"

5. Monitor your paper statement, bills, and online accounts

Check the transactions listed on your bank statements, credit card bills, utility bills, and online accounts regularly for unauthorized transactions. If you spot something suspicious, report it immediately.

6. Only do business with companies you know and trust

When making online transactions, be sure the website uses secure encryption.

7. Update your PC and Protect it with up-to-date anti-virus software

Make sure your computer Operating System [Windows, Mac OS, Linux] is fully updated and running the latest supported version. Anti-virus and / or security software is essential to help ensure safe and secure browsing for online transactions, purchases and business. Use a valid 3rd party Anti-virus software, or for Windows users, enable and update the built-in Windows Defender software.

8. Be cautious when sharing a computer

If you use a shared computer – such as a library or lab computer – or share a computer with roommates, log out and clear cookies after every computer session.

9. Password protect your electronics

Enable the password feature on your cellphone, laptop, Kindle, iPad, or any electronic devices that contain personal information about you – including, phone numbers, banking information – anything you don’t want in the hands of strangers. If your password- protected device is lost or stolen, your personal information is not immediately accessible to others. Additionally, most devices have “remote wipe” capability that allows you to erase addresses, phone numbers, emails, photos and other sensitive content on a lost or stolen phone. Wiping a lost or stolen phone restores the device it to its factory settings. Refer to the manufacturer’s website to learn specifics for your device.

10. Watch your U.S. Postal mail

Missing bills or statements may indicate someone is tampering with your mail or your identity.
• Consider going paperless for your banking needs.
• If you will be away from home for 3 - 30 days, sign up for “Hold Mail Service.” The Post Office has a forwarding service if you will be gone more than 30 days.
• Call the U.S. Postal Service at 800-275-8777 or submit a
“Mail Hold” request online. [

Business Hours
Winchester Office
Monday - Thursday: 8:30 a.m. -3:30 p.m.
Friday: 8:30 a.m. -5:00 p.m.

Winchester Drive-Thru Window
Monday - Friday: 8:30 a.m. -6:00 p.m.
Saturday: 8:30 a.m. -Noon

Decherd Drive-Thru Branch
Monday - Thursday: 8:30 a.m -4:00 p.m.
Friday: 8:30 a.m. -5:00 p.m.

Huntland Branch
Monday - Thursday: 8:30 a.m. -4:00 p.m.
Friday: 8:30 a.m. -5:00 p.m.

Huntland Drive-Thru
Monday - Thurs: 8:30 a.m. -4:00 p.m.
Friday: 8:30 a.m. -5:00 p.m.
Saturday: 8:30 a.m. -Noon