Fraud Prevention

As a valued member of DuPont Community Credit Union, we want to help you protect your personal information, your accounts, your identity, and ultimately, your money.

In today’s electronic age, it’s extremely important to be careful when doing business online or via the telephone, and you should always stay informed about security issues and activities that could affect your economic future.

Protect Yourself from Social Engineering

Social engineering is the act of tricking someone into disclosing a piece of valuable information such as a username, password, credit card number, or social security number. These attacks take advantage of human vulnerabilities such as emotions, trust, or habits in order to convince individuals to take action such as clicking a fraudulent link, visiting a malicious website, or sending unrecoverable funds to someone (often outside of the country).

Hallmarks of Social Engineering Attacks:

  • Contact arrives unexpectedly and/or suddenly
  • Usually has either very little detail, or an overly complex backstory
  • Has a sense of urgency, sometimes extreme
  • Has penalties associated with not acting quickly, and can escalate into threats, or has the promise of great reward if instructions are followed
  • Requires you to perform an action like clicking a link and entering a username, password, or sending a money order

What You Can Do To Protect Yourself:

  • Never give your Online Banking username or password to anyone
  • Subscribe to DCCU’s Fraud Alerts, which can help to quickly identify potential fraudulent transactions
  • Turn on Multi-Factor authentication on email and other accounts

Red flags:

  • When selling something online and you receive a money order or check for more than the sales price of the item
  • A job, email, or phone call that requires you to give your online or mobile banking username and password in order to receive funds or for any other reason
  • A person requests that you receive one form of money and then send it somewhere else as another form
  • You receive an email that indicates you need to do something immediately in order to avoid something bad happening
  • You receive an email notifying you of a package delivery you aren’t expecting, containing a link that prompts you for some type of username and password, or requires you to pay funds in order to receive it

Social Engineering is on the rise. Tactics will continue to evolve and become more sophisticated. When faced with urgent situations described above, use it as a trigger to stop and think; and when in doubt, ask someone knowledgeable.

Elder Financial Abuse

Elder Financial Abuse is the improper use of an older person’s funds or property. This abuse can be perpetrated by people they know, or people they don’t know and it can happen in many different ways.

Here are some warning signs:

  • Depleted bank accounts
  • Increase in bank fees
  • Unpaid bills
  • New acquaintances 
  • Missing possessions
  • Loans being moved to collections
  • Out of the ordinary cash withdrawals and transfers
  • Sharp increase in spending habits
  • Sudden liquidation of assets

Additional Resources:

What is Phishing?

Phishing is the act of sending an email to a user falsely claiming to be an established legitimate enterprise in an attempt to scam the user into surrendering private information that may be use for fraud or identity theft. The email directs the user to visit a website where they are asked to update personal information such as: passwords, Credit/Debit Card info, Social Security numbers, and the Credit Union/Bank account numbers that the legitimate organization already has. The website, however, is a spoof and set up only to steal the user’s information.

Helpful Tips

  • Make sure you are running an up to date and supported operating system
  • Use antivirus software on your computer
  • Do not click on links, or respond to emails that appear suspicious
  • Never enter your username and password into a website you arrived at by clicking a link in your email

If you receive an email which you think is phishing stating it’s from DCCU please forward the entire email to abuse@mydccu.com. This will help us shut the site down faster.

Counterfeit Checks

If you can answer yes to any of the following questions involving a CHECK you are about to deposit, please contact us immediately.

  • Are the check proceeds for an item you sold on the Internet such as a car, boat, jewelry, etc?
  • Is the amount of the check more than the selling price of the item?
  • Have you been instructed to WIRE funds out of the country as soon as possible?
  • Is the check from an individual you have communicated with via email?
  • Is the check drawn on a business or individual different from the person buying your item?
  • Have you been informed that you were the winner in a lottery that you did not enter?
  • Have you been asked to assist in the distribution of money from another country?

Identity Theft

DCCU is dedicated to keeping our members’ information safe and secure. Identity theft can happen to anyone. Identity theft is when someone falsely uses your name and personal information to get a loan, open a Credit Card or attempts to access information from your financial account. To ensure that you do not become a victim of identity theft, follow the simple rules below:

  • Do not give out personal information over the phone, email, or text message
  • Do not carry your social security card with you
  • Place passwords on your accounts for added security
  • Shred material that contains any of your personal information
  • Do not print your social security number on your checks
  • Check your DCCU statements regularly for accuracy
  • Use security software on your home computer
  • Carry only Credit Cards you use
  • Review your credit report regularly. Federal law requires that each of the three credit bureaus (Equifax, Experian, and Trans Union) provide one free credit report per year to individuals upon request

Tips for Traveling with Your Card

Traveling can be a hassle. We want to make it easier for you! Below are some helpful tips for traveling with your DCCU Debit and/or Credit Cards. To avoid inconvenience while traveling, notify us in advance of your plans to prevent unnecessary restrictions being placed on your card(s).

Before You Leave

Travel Notes: Maximize your travel experience and help DCCU to better identify and protect against unauthorized transactions on your debit or credit card by adding a Travel Note before you leave. Add or change your Travel Note 24/7 through the Mobile App or Online Banking. Click here to view additional travel-related conveniences.

Fraud Alerts: Enjoy added security by enrolling in Fraud Alerts. Receive an automated text message if a suspicious transaction occurs, whether you’re traveling or at home. Visit the My Cards page in Online Banking to enroll.

While Traveling

  • Be sure you know your PIN so you can access ATMs
  • If you have any problems using a DCCU card while out of the country contact our toll free overseas numbers for cardholder services
    • Belgium: 0800.11.766
    • Canada: 1.800.654.7728
    • France: 0800.90.1615
    • Germany: 0130810002
    • Guam: 800.654.7728
    • Italy: 800.897.089
    • Japan: 0531.11.1727
    • Mexico: 00.1.800.336.7728
    • Panama: 00.1.800.111.0038
    • Philippines: 1800.1.111.9081
    • Spain: 900.99.1164
    • United Kingdom: 0.800897330
    • MasterCard Collect Number: 314.542.7111
    • VISA Collect Number: 410.581.9994
  • There are no foreign transaction fees that are passed onto the card at this time
  • To report a lost or stolen card contact us immediately at 800.245.8085

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