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New Online Banking Features

e-Statements

Instead of waiting to receive your checking and savings account statements through the mail, you may now view them through Online Banking. We will send you an e-mail reminder when a new statement is ready for viewing, making it convenient and easy to view your statements as soon as they are available.

After you sign on to Online Banking, click on "Products and Services", and click "Enter" to enroll.
Not an Online Banking customer? It's easy to apply!

Important Security Notice: 128-Bit Encryption Required

All browsers accessing secure pages within our website must support 128-bit encryption.

To determine if your browser supports 128-bit encryption, click on "Help" in the toolbar of your Internet browser and click on "About [browser name]". A pop-up box or window will display. For Microsoft Internet Explorer® - Next to "Cipher strength" you should see "128-bit". For Netscape Navigator®- the following text should appear: "This version supports high-grade (128-bit) security with RSA Public Key Cryptography".

If your browser does not support 128-bit encryption, you will need to upgrade to a browser that does in order to access secure pages of the website. Certified browsers include Netscape Navigator 7.2, and Microsoft Internet Explorer 6.0 and higher. Recommended browsers include: Netscape Navigator 7.2 or higher, Internet Explorer 6.0 or higher, and Mozilla Firefox® 2.0 and higher. Other browsers that support 128-bit encryption may also work.

Anyone who is not utilizing 128-bit encryption and who attempts to access a secure page on our site will receive the following message:

The page you are attempting to access requires 128-bit encryption. To determine if your browser supports 128-bit encryption, click on "Help" in the toolbar of your Internet browser and click on "About [browser name]". A pop-up box or window will display. For Internet Explorer - Next to "Cipher strength" you should see "128-bit". For Netscape - the following text should appear: "This version supports high-grade (128-bit) security with RSA Public Key Cryptography."

Frequently Asked Questions:

Can I upgrade the encryption level of my browser without updating the browser version?

That depends on the browser and version you are currently using.

• Netscape browser versions earlier than 6 do not have a 128-bit encryption only upgrade. You must perform a full upgrade to a version of Netscape that supports 128-bit encryption and then specifically request the higher level of encryption.
• If you are using a version of Internet Explorer older than version 6.0, you must perform a full upgrade to Internet Explorer Version 6.0 or higher with 128-bit encryption.
• AOL uses a version of the Internet Explorer browser and is subject to the same conditions as Internet Explorer. Due to the functionality of AOL, you may need to connect to the internet using AOL, then minimize AOL and open a separate certified browser in order to use Online Banking.

What do I need to do to upgrade?

Internet Explorer

In Internet Explorer, click on Help and select About Internet Explorer. The window that pops up should say "Cipher strength: 128-bit". If it does not, clicking on "Update Information" will take you to the link below, which contains instructions for upgrading Internet Explorer: http://www.microsoft.com/windows/ie/downloads/default.mspx

If you are running Windows 2000, you can access this link: http://www.microsoft.com/windows2000/downloads/recommended/encryption/download.asp

The upgrade is simple and fairly quick. You will be required to restart your computer.

Netscape

Verify your cipher strength, as some older versions of Netscape do not support 128-bit encryption. If the version you are using does not support it, download an updated version by clicking on the following link and following the instructions: http://browser.netscape.com

Online Banking Security Upgrade

Our Online Banking security interfaces with Secure Socket Layer 3.0 (SSL 3.0). SSL 3.0 has been in existence since November 1995, and has been used as the standard default in most browsers since 1996. In order to ensure that you will be able to access your Online Banking account information after this upgrade, please follow these simple steps.

For Internet Explorer, begin by opening your browser, select Tools, Internet Options, Advanced tab. Scroll to the Security Section. There should be a check mark next to SSL 3.0 if it is enabled. If there is not a checkmark next to SSL 3.0, simply select the option.

For Netscape Navigator, begin by opening your browser, select Communicator, Tools, Security Information, Navigator. There should be a check mark next to SSL 3.0 if it is enabled. If there is not a checkmark next to SSL 3.0, simply select the option.

If you do not see SSL 3.0 as a listed option, you will want to upgrade your browser to a version that has SSL 3.0. When selecting a browser, keep in mind that certain browser versions are certified to work with our Online Banking product. This means that the versions have been tested to ensure each feature/functionality is operating. If a version that is not certified is selected, it may function properly, but has not yet been certified.

To view a list of browsers that support Online Banking, click here.

Click here if you wish to upgrade to the latest version of Microsoft Internet Explorer or Netscape Navigator.

Challenge Question/Forgotten Password Feature

The Challenge Question/Forgotten Password Feature allows Online Banking customers to update their Password without having to contact the bank.

Overview

A set of user validation questions has been established. When the customer first logs into Online Banking, the customer will be prompted with a list of questions to collect personal validation information.

• This process will encrypt and save the validation information so that neither Central Bank nor Digital Insight (the Online Banking provider) will ever have access to the encrypted information.
• The Online Banking customer must select two (2) validation questions to answer.
• The Online Banking customer must also provide a valid E-mail address that will be used to notify them of successful and failed attempts to validate their identity.
• If the Online Banking customer forgets their validation information, they can have their access reset by Central Bank by contacting the Online Banking Center at (617) 629-4351 or (617) 629-4383. They can also update their Challenge Question information when they logon to Online Banking and select User Options.

Step 1: Create Validation Information

When the Challenge Question/Forgotten Password Information screen appears, the customer selects and answers two Verification Questions. The customer's E-mail address of record will appear for verification purposes.

Please remember the answers to the questions you selected. You should never save or share this information with anyone who is not a co-owner of your account.

Step 2: Link from Logon Screen

If a customer forgets their Online Banking Password, they can link to the Challenge Question/Forgotten Password feature from the Online Banking logon screen.

After a customer selects the link to reset their Password, they will enter their User ID into the Challenge Question/Forgotten Password Retrieval screen.

Step 3: Challenge Question/Forgotten Password Validation Screen

A Challenge Question/Forgotten Password Validation Screen will appear to validate the customer's identity. Validation is based on the questions and answers the customer originally selected when they established their Challenge Question/Forgotten Password Validation Information.

Step 4: Update Password

After the customer correctly answers each question, they may update their Password.

After three (3) invalid attempts to enter their validation information, the customer will be locked out of the Challenge Question/Forgotten Password feature. If this does happen, the customer should contact the Online Banking Center at (617) 629-4351 or (617) 629-4383. The Challenge Question Validation Information for the customer will be cleared.

After the customer updates their Password, they may return to the logon screen ( https://www.centralbk.com/onlineserv/HB/Signon.cgi) to logon using their new Password.

If you cannot remember your Online Banking Password (or if you have been locked out of Online Banking), please contact our Online Banking Center at (617) 629-4351 or (617) 629-4383. Please feel free to call us if you have any questions regarding Online Banking.

Central Bank is a SUM^SM Program member. Click the SUM logo for participating SUM ATM locations that are available to cardholders of SUM members surcharge-free.

Equal Housing Lender - Member FDIC - Member SIF This is a private computer system which is restricted to authorized individuals. Actual or attempted unauthorized use of this computer system will result in criminal and/or civil prosecution. We reserve the rights to view, monitor and record activity on the system without notice or permission. Any information obtained by monitoring, reviewing or recording is subject to review by law enforcement organizations in connection with the investigation or prosecution of possible criminal activity on the system. Please exit the system immediately if you are not an authorized user of this system or do not consent to continued monitoring. ©2004 Central Bank. All rights reserved.

Central Bank   ·   399 Highland Avenue, Somerville, Massachusetts 02144   ·   617-628-4000   ·   www.centralbk.com