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e-Central Service Center

How to Protect Yourself from Online Fraud

The increased sophistication and rapid growth of online fraud continues to be a challenge. Scams appear in many forms, such as fraudulent emails and websites, spyware, viruses, and pop-up advertisements. 

Fraudulent Emails & Websites

This particular type of fraud occurs when someone poses as a legitimate company to obtain personal data, such as account numbers. They then use this information to make transactions illegally. A common form of this scam is called “phishing”. Phishing refers to cyber-criminals who attempt to gather sensitive personal information from consumers through emails and/or through imitations of legitimate websites. To combat phishing, please remember that Central One Federal Credit Union will never ask for sensitive information via e-mail (ex. social security number, member number, password or account number, or ATM/debit card number and PIN).

Spyware & Viruses

Spyware and viruses are destructive programs loaded on your computer without your permission or knowledge. Spyware appears as a legitimate application on your computer but actually monitors your activity and collects sensitive information. Viruses are harmful programs spread through the Internet that can compromise the security of your computer. Maintaining up-to-date anti-spyware and virus protection software, as well as firewalls will help you to avoid these risks.

Pop-Up Advertisements

Pop-ups appear in a separate browser window and, when clicked, can download harmful spyware or adware to your computer. While some make legitimate offers, many pop-ups are attempts to obtain your sensitive information. Central One Federal Credit Union will never ask you to verify personal financial information via a pop-up advertisement.

Helpful Tips to Protect You

While online banking is safe, as a general rule you should always be careful about giving out your personal financial information over the Internet. Review the following tips to protect your personal information while using the Internet:
  • Regularly log into your online accounts to verify that your bank, credit, and debit card statements and transactions are legitimate.
  • Be suspicious of any e-mail with urgent requests for personal financial information.
  • If you receive an unsolicited e-mail from any source asking you to click on a link to visit a site and input personal data, be very wary of it.
  • Be cautious about opening any attachments or downloading any files from e-mails, regardless of who sent them.
  • Instead of clicking on links in emails, type in the URL that you're familiar with, such as www.centralfcu.com, or select the Web address saved in your browser’s "Favorites".
  • If an offer sounds too good to be true, it probably is and should be avoided.
  • If you have any doubts about the validity of an email, contact the sender using a telephone number you know to be genuine.
  • Before you initiate an online transaction, make sure your personal information is protected by looking for indicators that the site is secure. URLs for secure sites typically begin with "https" instead of "http" and display a lock in the lower right corner of your browser.
  • Use anti-virus and anti-malware software and keep it up-to-date.
  • Make sure you have applied the latest security patches for your computer. Most software providers offer free security patches.
  • If you have broad-band Internet access, such as cable modem or DSL, make sure that you have a firewall.
We take numerous steps to keep your account information secure. However, you must take precautions as well.

Here are some tips to help you better protect yourself:

  • Choose a good password- Your online password coupled with your Member Number, authenticate your identity when accessing online accounts. A password should be complex and should not use personal information. A complex password incorporates capital letters, numbers, and symbols.
  • Keep your password safe – A great password is worthless if it’s written on a note attached to your computer or kept in your checkbook. Memorize your password and do not ever tell it to anyone.
  • Change your password regularly – Changing your password regularly is a key component to online safety. It is important to change your password on a regular basis.
  • Remember to log off properly -It’s important to sign off using the “Exit” link at the top of the CentralNet page. Remember, you may not always be using your own computer when banking online. If you forget to do so, the system will notify you of inactivity after 5 minutes. If no action is taken, you will be automatically logged off.
CentralNet Login

CentralNet Enrollment

For first-time login to CentralNet, use the password you selected when you opened your account.

If you do not have a password or have forgotten it, call 508-842-7400 or 800-527-1017.


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