Align Credit Union Membership Expansion:

THE COMMONWEALTH OF MASSACHUSETTS
Division of Banks
ALIGN CREDIT UNION, Lowell, 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 proposes to expand membership eligibility to include those who live, work, or attend school within the following Massachusetts municipalities: Ashburnham, Auburn, Fitchburg, Gardner, Holden, Hubbardston, Leicester, Leominster, Lunenburg, Millbury, Oxford, Paxton, Princeton, Sterling, Sutton, Templeton, West Boylston, Westminster, Winchendon, and Worcester. 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 July 24, 2026. 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

Independence Day Closure:

All Align branches will be CLOSED on Friday, July 3rd, 2026, and Saturday, July 4, 2026, in observance of Independence Day.

Transactions can be made during this time by accessing your account through online, mobile* and telephone banking.  We appreciate your understanding and apologize for any inconvenience this may cause. * Message and data charges may apply.

Electronic Statement Access Alert:

Some members may experience limited access to their electronic statements. This is a temporary issue, and our team is actively working to resolve it. At this time: Only accounts associated with your surviving member number may appear on your statement. If your member number was previously changed, you may only see statements generated after that change. We apologize for any inconvenience and appreciate your patience as we work to resolve this issue.

Card Skimming

Card Skimming

ATM skimming is when fraudsters use hidden electronics to steal personal information on a card and record the owner's PIN number to access the member's account.

How Does ATM Skimming Happen?

A "skimmer" is a small device that goes over the normal card reading slot of an ATM and reads your magnetic strip. The skimmer is used to capture your ATM card number and is disguised to look like normal ATM equipment. At the same time, a wireless camera is mounted in a position to view ATM PIN entries. Often, the scam artists will sit in a nearby car receiving the information wirelessly transmitted from the skimmer. They are able to copy the information stored on the magnetic strip of the ATM cards and use the PIN numbers to withdraw funds from an account in a very short time. Skimmers can also be handheld devices that a dishonest merchant can keep in their pocket. For example, while charging your card while you're out at dinner, a scam artist can run your card through a skimmer as well.  

How Can You Protect Yourself?

  • Use secure ATMs under video surveillance, inside a financial institution, or in a high-traffic area.
  • Most devices have pin pad enclosures, but some do not. Make sure to cover the keyboard as you enter your pin, do not share it with anyone and do not use an ATM with a card reader that appears to be altered.
  • If something looks suspicious, find another ATM. Skimming devices will stick out a little bit from an ATM.
  • Call the financial institution immediately if a machine keeps your card and report it.
  • If you believe a skimmer has been added to an ATM, please contact the financial institution that owns the ATM.
  • Continuously check your account balances - accessible in branch or online - and contact us immediately if your notice any suspicious activity. 

Read more about how to detect skimming here.

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