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Security Center

How Central One Protects Your Accounts

Your safety is our top priority. We use industry leading technology and processes to keep your personal and financial information secure.

Real-Time Fraud Analysis


We use state-of-the-art fraud monitoring tools to monitor your account for suspicious transactions and activity to help protect you against fraud. If we detect unusual purchasing patterns or locations, we may deny or hold a transaction until we’re sure that it’s valid.

Secure Website and Applications


Central One's website, online banking and mobile banking use secure protocols to ensure that your data stays secure.

Device Verification


When you login to your account using a new device, we'll ask additional security questions to confirm that it is really you.

Mobile Wallet Payments


When using your smartphone's mobile wallet, your card's data is encrypted through a process known as tokenization.

EMV Smart Chip


Central One's debit and credit cards feature the added security of the EMV smart chip.

Instant Issue with EMV


If your debit or credit card is ever lost or stolen, visit any full-service branch to have a new card printed instantly.


Fraud Prevention Center

Fraud Alerts

In addition to fraud alerts published by Central One, the National Credit Union Association (NCUA) publishes national fraud alerts at: www.mycreditunion.gov

View Fraud Alerts

Fraud Terminology

The National Credit Union Association (NCUA) provides a fraud prevention center with information on common types of fraud and the terminology used to describe them.

Visit the NCUA Fraud Prevention Center website .

Lost or Stolen Card

If your card is ever lost or stolen, report it to Central One as soon as possible. With our Instant Issue technology, we can replace your card while you wait at any full-service branch.

Call 800-527-1017 to report a lost/stolen card.

Travel Notice

If you plan on traveling outside of Massachusetts or outside the United States, please let us know by visiting your local branch or by calling 800-527-1017.

ID Theft

Report Identity Theft and build a custom recovery plan using the FDIC's IdentityTheft.gov website.

Build Your Recovery Plan


You can also use these helpful resources:

NCUA's MyCreditUnion.gov website

Federal Trade Commission's website

Keep Your Account Data Private

Don't share your account information, mobile or online banking login credentials or other financial data with others.


Learn more about common financial fraud and scams by visiting MyCreditUnion.gov .