MutualOne Bank Data Breach Lawsuit Investigation
MutualOne Bank has notified regulators of a debit-card data breach disclosed on September 30, 2025. Eleven Massachusetts customers were affected, and the exposed information includes card numbers connected to fraudulent transactions. If you received a notice, you may be entitled to free identity-protection services and potential compensation. Contact us today to discuss your legal options.
Download Official Breach Notice (PDF)
Key Facts at a Glance
- Breach reported: September 30, 2025
- Total individuals affected: 11
- State(s) impacted: Massachusetts
- Data exposed: Credit/debit card numbers
- Company response: Issued replacement debit cards, credited impacted accounts, and provided detailed fraud-prevention guidance
What Happened?
According to the notification filed with the Massachusetts Attorney General, MutualOne Bank investigated three unauthorized debit-card transactions on a customer’s account. The customer confirmed the charges were fraudulent and that the card had not left their possession. The investigation determined that card numbers had been compromised, prompting the bank to credit affected accounts and alert potentially impacted customers.
Information Exposed
The bank’s filing states that the incident involved the following category of personal information:
- Credit or debit card numbers
No additional personal identifiers (such as names, Social Security numbers, or addresses) were reported in the filing.
MutualOne Bank’s Response
To mitigate further risk, MutualOne Bank implemented these measures:
- Issued replacement debit cards with new numbers at no cost
- Credited affected accounts for the fraudulent charges
- Provided detailed guidance on credit-report monitoring, fraud alerts, security freezes, and reporting identity theft to authorities
Steps You Can Take Now
MutualOne Bank’s notice recommends the following actions:
- Review your account statements closely for the next 12 – 24 months and report any suspicious activity to the bank immediately.
- Contact the fraud departments of the three major credit bureaus (Experian, Equifax, TransUnion) to discuss fraud-alert options or obtain your free credit report at AnnualCreditReport.com.
- Learn more about identity theft prevention through the Federal Trade Commission at FTC.gov or consumer.gov/idtheft, or by calling 1-877-ID-THEFT.
- Consider placing a security freeze on your credit file by following the mailing instructions provided in the breach notice.
- If you detect suspicious activity, file a police report and keep a copy for your records.
Company Overview
MutualOne Bank is a Massachusetts-based community bank founded in 1889.
- Headquarters: 828 Concord Street, Framingham, Massachusetts, United States
- Industry: Banking
- Official website: mutualone.com
- Facebook: facebook.com/mutualone
- LinkedIn: linkedin.com/company/mutualone-bank
- Founded: 1889
Frequently Asked Questions
What happened in the MutualOne Bank data breach?
Three fraudulent debit-card transactions were identified on a customer’s account. The investigation revealed unauthorized access to card numbers, prompting the bank to notify 11 customers and regulators on September 30, 2025.
How many people were affected by the MutualOne Bank breach?
The filing with the Massachusetts Attorney General lists 11 impacted individuals.
What data was exposed?
Only credit or debit card numbers connected to the fraudulent transactions were reported as compromised.
Did MutualOne Bank offer free credit monitoring?
The notice does not specify a complimentary monitoring service. It advises customers to monitor statements, place fraud alerts, and consider security freezes.
Can I join a lawsuit against MutualOne Bank?
Potential legal claims depend on your individual circumstances. Contact us for a no-cost case evaluation to understand your rights and options.