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DCCU Routing # 251483311





Fraud Prevention & Alerts

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

Important Information 

DCCU will never contact you by phone or email and ask for your Social Security Number, PIN, verification code, or passwords. This information is personal and confidential to you, and under no circumstances would we require this information over the phone, via text message, email, or by any other channel. If you receive a phone call asking for this information, please hang up and call DCCU immediately at 540.946.3200. If you believe you are a victim of fraud or scam, contact the police in your area and any financial institution involved.

Fraud Alerts

DCCU is seeing an increase in members being victimized by employment scams. Two scams, in particular, became much more prevalent during the Pandemic and continue to be a cause for concern. These scams, detailed below, are known as the “Overpayment Scam” and “Indeed Search Scam”. It is much easier to prevent a scam than it is to recover from one, so it is important that you remain diligent in protecting yourself. If you believe you may have been a victim of one of these scams, please contact DCCU right away at 800.845.8085. For more information on these scams and ways to better protect yourself, please click here

Overpayment Scam

Often involving business owners who sell a good or service, this scam attempts to defraud the business owner through a counterfeit check. The checks are frequently written for an amount well over the cost of the goods or services, and the individual will request funds back via payment applications (like Cashapp or Venmo), cashier’s checks, and even cash. Requesting money back is a huge red flag.

Indeed Search Scam

Named where the scam originated, it preys upon those desperate for a job. The individual will impersonate a legitimate business or employer in an effort to obtain personal information from prospective applicants. After gaining contact with a job seeker, they will often request personal information to satisfy their “background check” requirements. These forms often ask for social security numbers, date of births, addresses, full names, and more, and are nothing more than a ploy to steal your identity. This type of scam can be increasingly difficult to recover from as the effects of identity theft can linger for years after the initial occurrence. To better protect yourself against this type of fraud, never give out your personal information to any business or individual you do not trust.

Image of Phishing Text Message Example

April 2022

Be Cautious of Text Messages Impersonating DCCU

There has been an increase in phishing attempts from text messages impersonating DCCU and we want you to be aware. Both DCCU members and non-members have received a text message similar to the one shown here. These messages appear to be sent at random and mostly from a 540 area code. There are a number of red flags contained in this text message, including incorrect grammar, a link to a non-DCCU website, and lack of member-specific messaging. This is not a text message generated by DCCU. Clicking the link will open a fake version of DCCU's online banking environment in an attempt to trick you into sharing your password, Social Security number, or other personal information. Text alerts and emails from DCCU will never request your account number and password. As phishing attempts continue to evolve, it is imperative that you remain vigilant in protecting yourself and your privacy. If you have received a message similar to the one shown here, clicked the link, and provided personal information, change your user ID and password immediately. As always, if you have any questions or concerns, please do not hesitate to contact us at 800.245.8085.

Protect Yourself Online

Be Wary of Social Media Quizzes 

Social media quizzes are a seemingly fun and carefree way to pass time, but these quizzes may be designed to collect your sensitive information in an attempt to use it to gain access to your account information.  Here are a few things to consider before sharing personal information online:

  • Be skeptical – Verify the source of the quiz before you answer any questions.
  • Adjust privacy settings – Be mindful of who you are sharing your information with when completing online quizzes.
  • Remove personal details from your social media profiles.
  • Don’t give answers to common security questions – Be way of any quiz that asks you questions like the street you grew up on, mother’s maiden name, etc.
  • Monitor friend requests – Don’t accept friend requests from people you don’t know.

Not all social media quizzes are data collection scams, but you should still proceed with caution before sharing any personal details online.  For more information, please visit the Better Business Bureau’s website.

Protect Yourself Against Employment Scams

DCCU is seeing an increase in members being victimized by employment scams. During the pandemic, more people began working from home or seeking work through online avenues. As a result, we have seen an uptick in the number of members being taken advantage of through employment scams, two in particular.

Overpayment Scam

This type of fraud involves business owners who sell a good or service, and are paid via fraudulent check by the individual. Often, the checks are written for an amount well over the price of the goods or services, and the individual will request the business owner return part of the funds via channels like payment applications (such as Cashapp or Venmo), cashier’s checks, or even cash. Requesting money back is a huge red flag. Some of the industries hit hardest by these sorts of scams offer services requiring payment for materials upfront, such as construction, painting, masonry, etc. Not only is the individual at a loss for any money returned to the scammer, they are also usually stuck with any materials they purchased.

Indeed Search Scam

Aptly named for the website where the scam originated, it preys upon individuals desperate for a job. The deception begins with the scammer impersonating a legitimate business or employer in an effort to obtain confidential information from prospective applicants. Using a fake profile, the individual will attempt to establish contact with any prospective applicants. Once they have made contact, they will generally send out tax forms or similar documents to be filled out and sent back to satisfy their “background check” requirements. These forms often ask for social security numbers, date of birth, addresses, full names, and more, and are nothing more than a ploy to steal your identity. This type of scam can be increasingly difficult to recover from as the effects of identity theft can persist for years after the initial occurrence. To better protect yourself against this type of fraud, never give out your personal information to any business or individual you do not trust.

To help avoid these types of scams, here are a few things to keep in mind:

  1. Urgency is often manufactured – Many scammers will attempt to defraud you by creating a false sense of urgency to get you to perform the task they have requested. This is a tactic to get you to agree faster without asking appropriate questions about their requests.
  2. Make sure the details line up  - If something seems off about the company you are receiving messages from on Indeed, double check the information you’ve been given. Doing some research could expose the “company” as fraudulent, and potentially save you money and the headache of having your identity stolen.
  3. Don’t answer demands – Many scammers will threaten to take legal action if you do not meet their demands, but no trustworthy business or individual would ever require payment on the spot without question.
  4. Trust your intuition – Your intuition is often right. If something seems off, it probably is. Exercise caution to better protect your identity and finances from potential scams.

It is much easier to prevent a scam than it is to recover from one, so it is important that you remain diligent in protecting yourself. If you believe you may have been a victim of one of these scams, please contact DCCU right away at 800.845.8085. 

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 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
  • Add an extra layer of account protection and quickly identify potentially fraudulent transactions with DCCU’s Automated Fraud Alerts. Verify or add your mobile number within Online Banking to ensure you are enrolled
  • 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

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 used 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. This 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 links, or respond to emails that appear suspicious
  • Never enter your username and password into a website you arrived at my 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.

 

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Personal Security

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 used 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

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 frees
  • 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:

elderly couple looking at laptop concerned

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.  

Fraud Alerts: Add an extra layer of account protection and quickly identify potentially fraudulent transactions with DCCU’s Automated Fraud Alerts.  Learn more about Automated Fraud Alerts here.

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: 0200.11.766

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

Debit: 844.231.2220

Credit: 844.231.2221

family of three standing in front of scenic mountain views