Security Center

When it comes to fraud prevention, knowledge is the key


A recent scam was brought to our attention that involves fraudsters impersonating a government agency. The letter claimed to come from the Department of Veteran’s Affairs and in addition to being full of grammatical errors, asked the recipient to call a number and pay fees associated with a loan. In a situation like this, always seek out the contact information for the organization independently- do not call the number on the letter! When in doubt, call us and we can help you determine what to do. 

Warning Signs

Be on alert for calls or letters indicating:

• You've "won" a lottery or sweepstakes you didn't enter 

• You owe a fake debt

Beat Government Letter and Telephone Scams

• Don't wire money, add money to a pre-paid debit card or use gift cards to pay for requested sums. A government agency will never ask for payment via these methods.

• Don't pay for a prize.

• Don't trust a name or number on a suspicious letter — do your own investigating!

• Don't give a caller your personal or financial information.

• Do put your number on the do not call list. Register your phone number at

Please see the National Credit Union Administration (NCUA) link below for an extensive list of scams and great resources to combat them!

NCUA Fraud Prevention Center

Scams targeting older adults are on the rise and are all too often successful. For information relating specifically to these type of scams, please see the NCUA link below.

NCUA Fraud Prevention for Older Adults


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

Fraud Protection

We have updated our real-time fraud monitoring system to include text alerts. Click Here to learn more.

Secure Website and Applications

Secure Website

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

Device Verification

All Devices

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

EMV Smart Chip

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

Instant Issue with EMV

Instant Issue Card Replacement

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:

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 website.

Build Your Recovery Plan

Keep Your Account Data Private

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

Get a Copy of Your Credit Report

You can receive a copy of your credit report for free each year. Check out for details.

Freeze Your Credit for Free

Recent regulations have now made it free to freeze your credit. Check out the three credit bureaus below for details

You can also use these helpful resources:

NCUA's website

Federal Trade Commission's website