Due to scheduled system maintenance, our online account opening as well as our online loan application system, will be unavailable from 9:00 AM – 11:30 AM on Sunday, March 23, 2025. We apologize for any inconvenience this may cause.
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THE COMMONWEALTH OF MASSACHUSETTS Division of Banks
ALL ONE CREDIT UNION (Credit Union), Leominster, Massachusetts has petitioned the Commissioner of Banks for permission to amend its by-laws pursuant to Massachusetts General Laws chapter 171, section 10 to expand the associations which qualify persons for membership. The amendment relative to membership eligibility proposes to add membership eligibility for family members of existing members, as well as for members of religious, civic, or charitable organizations having their principal place of business within the Credit Union’s existing geographic field of membership. Any objections or comments relative to this proposal must be communicated in writing to the Commissioner of Banks, One Federal Street, Suite 710, Boston, Massachusetts 02110 or via electronic mail to dob.comments@mass.gov no later than March 21, 2025. A public hearing may be held if the response is considered significant or circumstances warrant such a hearing, as determined by the Commissioner. The petitioner’s application and all communications relative to this application are available from the Division by request at dob.rao@mass.gov.
MARY L. GALLAGHER
Commissioner of Banks
Important Information Regarding Your Debit Card and setting your PIN
For your security and quick activation, please call from the phone number we have on file. Listen carefully to the prompts, once verified and your card is confirmed, there will be a short pause (don’t hang up), after the pause you will be asked to add/select your PIN (Personal Identification Number). Important: Your original PIN will not transfer over, a new PIN must be set. Additional information may be needed if using a different phone number. Please contact us if we need to make a change and update your records.
Your Leominster Credit Union VISA Debit Card has been reissued and rebranded to an All One Credit Union Contactless (tap-to-pay) VISA Debit Card. Leominster Credit Union ATM cards have also be converted to an All One Credit Union ATM Card. Please follow the brief instructions accompanying it to activate your new card. Your LCU VISA Debit Card will no longer be accepted after midnight on March 11, 2025.
Frequently Asked Questions
Why am I getting a new debit card?
All One Credit Union is changing the debit card processor which requires new cards to be issued. This new partnership will provide upgraded functionality such as a contactless payment method and more. The cards will also reflect our new brand.
When can I expect to receive my new ATM/Debit card?
You should receive your new card by March 5, 2025. If you do not receive a card by this date, please call our Member Service Center at 800-649-4646 or visit all-onecu.com and schedule an appointment at a location and time convenient to you.
When can I use my new All One ATM/Debit Card?
Please activate and begin using your new card on March 12, 2025. Your LCU VISA Debit Card will no longer be accepted after midnight on March 11, 2025.
Will my LCU ATM/Debit Card still work?
No, your LCU Debit/ATM card will no longer work after midnight on March 11, 2025
When should I activate my new All One VISA Debit Card?
You may activate and begin using your new AOCU VISA Debit Card on March 12, 2025, by calling 800-631-3197 from the primary card holder’s main number. If you activate your card from another phone number other than the primary card holder’s phone number, you may be required to provide personal information.
How will I get my Personal Identification Number (PIN)?
Call the number on the sticker on the card, carefully listen to the prompts. Once you have been authenticated there will be a short pause (do not hang up) at this point you will be asked to set your PIN.
Do I need to update my Automatic Payments with the new card?
Yes, recurring monthly payments set up through your Leominster Credit Union Debit Card will NOT transfer to your All One Credit Union VISA Debit Card. After March 12, 2025, if you have bills set up to pay automatically from your old LCU VISA Debit Card, you will need to provide the merchant(s) with your new AOCU VISA Debit Card information.
Do I need to update my Direct Deposit?
No, your direct deposit will not be affected or any payments you have coming out of your account through ACH using your account number.
Will the new card have a different card number?
Yes, any recurring or pre-authorized charges you have on your current card will need to be updated to the new card number. This includes payments for online merchants, such as streaming services, autopay bills, and monthly memberships.
Who can I call if I have problems activating my card?
If you have any issues or questions about activating or using your new All One Credit Union Visa Debit Card, please contact Member Service at 800-649-4646.
What is a contactless Card and what are the benefits? Contactless Indicator
A contactless card payment utilizes “Near Field Communication” (NFC) technology, a subset of Radio Frequency Identification (RFID). NFC technology works for smaller distances than RFID, allowing cardholders to “tap” their Contactless card over a contactless-enabled terminal.
How secure are Contactless card transactions?
Every Contactless card payment transaction includes a one-time-use, dynamic data for the transaction. This same data cannot be used for other transactions. In addition, each Contactless device must have its own unique secret key and this key is never transmitted.
How do I make a Contactless card transaction?
· Verify that there is a contactless symbol on the transaction terminal.
· Tap or hold your Visa Debit Card within 3 inches or so to a transaction terminal.
Will my daily spending or ATM withdrawal limits change?
No, your daily limits will remain the same unless otherwise notified.
What should I do with my old debit card?
After March 12, 2025, and once your new card is activated, securely destroy your old card by cutting it up or shredding it.
Will my account number change?
No, your account number will stay the same. Only your card number is changing. Pre-authorized charges you have on your current card will need to be updated to the new card number.
Some images in my digital wallet are still showing the LCU branding?
The new branding was submitted to Visa and Visa is working on updating all images to reflect the AOCU branding. We anticipate this will be completed soon.
Will I still have overdraft protection on my new debit card?
Yes, if you are enrolled in overdraft protection, it will carry over to your new debit card. If you have questions, please contact our Member Service at 800-649-4646 to confirm your overdraft settings.
Have questions not covered in the FAQ’s regarding your new Debit/ATM card?
We offer convenient options to meet and speak with an All One Credit Union Member Service Representative. Call Member Service at 800-649-4646 or visit all-onecu.com and schedule an appointment at a location and time convenient to you.
Thank you,
All One Credit Union
Helpful Tips For Your Android Phone/Mobile App
Helpful Tips If You are Having Trouble Updating Your Android Phone/Mobile App
If your Android phone doesn’t have an available update, please check your settings to manually search for updates, as your device might not be automatically notifying you. If no updates are found, it could mean your operating system is outdated and could lead to security vulnerabilities.
How to check for updates on your Android:
- Go to Settings: Open your phone’s settings app.
- Search for Software update: Find the “System” or “About Phone” section and then select “Software update”.
- Check for updates: Tap “Download and install” to see if any updates are available.
Possible reason why your Android might not have an update:
Outdated device: Phones may reach the end of their updated lifecycle, meaning no further updates will be released by the manufacturer. If your phone is no longer receiving updates, you may want to consider a newer model to ensure regular security patches and protections.
Security Vulnerabilities:
Missing updates can leave your phone exposed to security threats, cyber-attacks and malware.
Please note: if your App is not working, you can still login via the mobile browser and desktop versions.
Any further questions, please contact our Member Service Center, 800-649-4646.
Important: Increase in recent Scams in our Area
There has been an increase in fraudulent activity in our area. Scammers are using multiple methods to trick credit union members, including spoofing our Member Service Center phone number. All One Credit Union will never request information such as your Online & Mobile Banking login information, access codes from texts, or your debit card number. If you get a call like this, hang up and report it to us at 800-649-4646.
LCU is now All One Credit Union – Rebrand Reminders!
October 17, 2024
Dear Member,
We are excited about our rebrand and new name and we wanted to follow up with a few reminders. Our digital and online banking has been updated with new logos, name, and colors but there are a few applications that are not updated or require follow up.
Digital Banking
- Mobile app: the newest version of the app should be downloaded from the app store. If the newest version is not downloaded, you will still be able to use mobile banking at this time. Additional updates will take place in early November that will require you to download the new app. The old app will not work.
- If you are still seeing our LCU brand within Online Banking on the Desktop, try clearing your browser cookies and cache.
- Please note: The app listing name and verbiage still reflect Leominster Credit Union but will be updated in the new year
Bill Pay
Bill pay will remain branded as LCU until we transition our partnership mid-November. Payments will continue as normal. Stay tuned for additional communication surrounding our Bill Pay migration and any actions that will need to be taken as a Bill Pay User.
Zelle
Zelle is currently updating the branding to reflect our new name and colors.
ATMs
ATMs will continue to be LCU branded until we transfer our partnership in March 2025.
Debit/ATM Cards
Debit cards will continue to be LCU branded until we transfer our partnership in March 2025. Debit cards that have LCU branding will continue to work.
Checks
Existing checks will remain valid with the LCU branding. New checks with the updated branding will be issued if they were ordered after October 7.
Please call us with any questions, 800-649-4646 or visit our website for additional details.
Thank you,
All One Credit Union
formerly Leominster Credit Union
