DCCU Routing # 251483311
DCCU Routing # 251483311
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.
We have seen an increase in phishing attempts targeting individuals in the 540 area code, and want you to be aware. Scammers appear to be targeting individuals via text message to confirm alleged card purchases. If you reply, a "thank you" message is sent stating that a "Fraud Specialist" from that financial institution will reach out shortly. You will then receive a call from someone claiming to be a "Fraud Specialist" from your financial institution. This person will likely ask for login credentials, full card numbers, and/or a Social Security Number to confirm activity or unlock your account. DCCU and other financial institutions will never call you to request your online banking credentials (including username and password), or full Social Security or card numbers.
Please be aware that these message and calls are a scam, and are NOT generated by DCCU or DCCU employees. They are a ploy to compromise your personal information to gain access to the funds in your accounts. While a DCCU employee may request answers to specific questions in an effort to confirm your identity, we will never request your online banking passwords, usernames, or full credit/debit card numbers. As fraud attempts continue to evolve, it is necessary to remain vigilant and educated to better protect yourself. If you believe you may have been the target or victim of one of these scams, please contact DCCU promptly at 800.245.8085.
There has been an increase in phishing attempts from text messages impersonating DCCU and we want you to be aware. Red flags contained in this text message include a link to a non-DCCU website and lack of member-specific messaging. Clicking this link takes you to a fake website that tries to trick you into sharing your password, Social Security number, or other personal information. This is not a text message generated by DCCU. Text alerts 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.
Please be aware, there has been an increase in reported instances of impersonators, claiming to be from local banks, credit unions, law enforcement, or large online retailers such as Amazon in our area. Calls may appear to come from local area codes, however, these calls are fraudulent and the impersonator will likely attempt to collect your confidential or account information. If you receive a call like this, we recommend you hang up and contact the organization they claim to represent directly.
As a reminder: A real DCCU representative, law enforcement officers, and online retailers will never initiate contact with you requesting information like your full debit/credit card number, PIN, card security code, online banking username/password or full Social Security Number. If you are contacted by anyone requesting this information we recommend you hang up immediately.
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.
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.
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.
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:
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.
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.
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.
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:
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.
Four Warning Signs of a Scam
Scams have become an unfortunate reality, but recognizing these common signs could help you avoid becoming a victim of one.
They pretend to be from an organization you know.
Scammers often pretend to be from an organization that you are familiar with, such as the Social Security Administration, Internal Revenue Service, Medicare, etc. They may even pretend to be an authorized representative from a utility company, financial institution, or even a charity asking for donations in an attempt to defraud their victims.
They say there's a problem or prize.
Scammers often say that there's a problem or prize. They may say that you are in trouble with the government or that you owe money. They may even say that you won a lottery or sweepstakes, but are required to pay a fee to collect it first.
They pressure you to act immediately.
Scammers will often pressure you to act immediately, and there will likely be an element of urgency to their tone. They might threaten to arrest you, sue you, or take away your driver's license.
They tell you to pay in a specific way.
Scammers will tell you to pay in a specific way. Often, they will insist you pay by sending money through a payment application (such as CashApp or Venmo), or by putting the money on a gift card and sending them the code off the back. Some will even try to defraud you through fraudulent checks.
Helpful Tips to Avoid a Scam:
Because it is much easier to prevent a scam than it is to restore what has been lost to a scam, it is important to be aware of common warning signs. This way, you will be able to better protect yourself, your privacy, and your finances. If you believe you have been the victim of a scam, please contact DCCU right away at 800.845.8085.
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.
If you receive an email which you think is phishing, stating it’s from DCCU, please forward the entire email to email@example.com. This will help us shut the site down faster.
If you can answer yes to any of the following questions involving a check you are about to deposit, please contact us immediately.
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:
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:
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.
United Kingdom: 0.800897330
MasterCard Collect Number: 314.542.7111
VISA Collect Number: 410.581.9994
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:
What You Can Do to Protect Yourself: