DCCU Routing # 251483311
How can DCCU help you today?
Be Aware of these Fraud Tactics
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 your account information. 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.
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 click a fraudulent link, visiting a malicious website, or sending unrecoverable funds to someone (often outside the country).
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. The website, however, is a spoof and set up only to steal the user’s information.
STAY SECURE
Protect Yourself
- Online & Mobile
- Credit & Debit Card
- ATMs
- Identity Theft
To help our members better understand fraud, scams, and cyber security threats, the National Center Union Administration (NCUA) released a two-part video series on how to recognize, avoid, and report cyber fraud.
Helpful Tips
- Be sure to keep computers and mobile devices up-to-date. Make sure you have the latest security software, web browser, and security updates for your operating system. It may be helpful to enable automatic updates so that you receive the newest updates as they become available.
- Set strong passwords. The key components of a strong password are length, use of upper and lower case letters, utilization of numbers and symbols, those that have no ties to your personal information, and do not contain any dictionary words.
- Protect your computer and mobile devices with a password or passcode.
- Turn off wireless and Bluetooth services when you are not using them.
- Do not share personal information on social media. Attackers can use personal information posted on social media to gain access to your sensitive information such as usernames, passwords, and answers to security questions. Be sure to utilize the privacy setting provided by social media channels, and avoid posting items like birthdays, addresses, mother’s maiden name, etc. Never accept request to connect from people you do not know.
- Secure your Internet connection. Always protect your home wireless network with a password. When connected to public Wi-Fi networks, be cautious of what information you may be sending.
- Prioritize your security and safety while shopping online. Before shopping online, make sure the website uses a secure connection. Look for the tiny padlock symbol on the page, and make sure the web address begins with https.
- Read the privacy policies on the websites you visit. These policies let you know who the website host shares your information with once it has been collected. If you do not see a privacy policy available, consider using another business.
- Regularly check your account activity, especially if you make online purchases. Compare the current balance and transactions on your statement to those you’ve recorded.
Credit and debit card fraud is the unauthorized use of card information to fraudulently make purchases and/or access funds. It can occur when cards are lost or stolen, in the midst of a data breech, or when account information is revealed and used in a scam.
Helpful Tips:
- Memorize your PIN number. Never carry it in your wallet, purse, pocket, or write it anywhere on your card.
- Keep a record of credit and/or debit card account numbers, expiration dates, CVV code, and telephone numbers of each card issuer so you can report a loss more quickly.
- Keep a record of all your transactions, and save any receipts.
- Regularly check your account activity, especially if you utilize online banking. Compare the current balance and transactions against those you’ve collected and recorded.
- Protect your account information. Never leave it out in the open or write it on an envelope.
- Before throwing away old card, be sure to cut them up – taking extra care to cut through the account number.
- Carry only the cards you need.
- Carefully check your ATM or debit card transactions for accuracy.
In addition to the implementation of advanced physical and electronic monitoring, our ATM card readers have now been equipped with hardware which will further deter tampering. If the card reader or surrounding hardware is modified or damaged, the ATM will be immediately taken out of service. Additionally, pin-pad guards have been installed on all of our ATMs.
DCCU now utilizes chip technology to transmit data during transactions, rather than through the traditional magnetic strip. When your card is inserted, in the ATM, the card reader will clamp down on your card, securing it in place during the transaction. Your card will be released once the transaction is complete.
We encourage your continued vigilance in helping to prevent ATM skimming in our community. When visiting an ATM or using any type of merchant card reader, we encourage you to take these steps to help protect yourself:
- Watch for unusual marks, scratches, or loose pieces of equipment on any card reader.
- Carefully inspect card readers before inserting your card. Skimming equipment is often loosely attached for easy removal. If it’s loose or comes off, you have likely discovered a skimming device.
- If you think you may have discovered a skimmer, report it to the merchant or financial institution/ATM owner immediately.
DCCU is dedicated to keeping our members’ information safe and secure. Identity theft can happen to anyone, and occurs 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
- 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 TransUnion) 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.
Helping to Prevent Elder Financial Abuse
June 15 is World Elder Abuse Day & DuPont Community Credit Union is committed to battling this serious social issue, especially where financial exploitation is concerned.
Read Blog
The Importance of Protecting Your Privacy Online
Cybersecurity is about safeguarding your online presence, smart devices, and information in cyberspace, and keeping all of them out of the hands of the wrong people.
Read Blog
More Ways to Protect Yourself
Automated Fraud Alerts allow us to contact members using electronic methods if we suspect a transaction may be fraud. Members will have the ability to immediately respond “Yes – this is fraud” or “No – this is not fraud” and the appropriate action will be taken.
How does it work?
- A text message will be sent to your mobile device if a suspicious transaction is identified.
- Simply reply to the text to confirm whether or not you recognize the transaction(s).
- If you reply that you do not recognize the transaction(s), you will receive a text respond back asking you to call Fraud Detection to report the transaction(s) and close the card. A block will be placed on your card to protect from further fraudulent transactions until you contact us.
- If you reply that you recognize the transaction(s), your card will remain available for use.
- If you do not reply to the text within 30 minutes, a pre-recorded call may be attempted at your mobile device and/or home number listed on your account.
- If you receive a pre-recorded call, please listen to the prompts provided to review and respond to the validity of each transaction that is presenting during the call.
- To reply to the pre-recorded message left on your phone, please call the number provided in the message to tell us whether or not you recognize the transaction(s).
How do I register for Fraud Text Alerts?
DCCU offers members the ability to enroll in advanced fraud alerts. Signing up is done on the Automated Fraud Alerts website. Click ‘View my Accounts’ from the navigation pane within Online Banking, and when the Account Dashboard loads, click ‘Enroll in Fraud Alerts’ in the Quick Links tile.
Traveling can be a hassle. We want to make it easier for you! To avoid inconvenience while traveling, notify us in advance of your plans to prevent unnecessary restrictions being placed on your card(s). 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.
Place a Travel Note up to 14 days prior to traveling:
- In the Mobile App or Online Banking, select Travel Notice from the "More" or menu
- Select account being used for travel
- Enter the destination
- Select the start and end dates of your travel (maximum of 30 days)*
- Add your contact phone number and email address
Limit one Travel Note per card.
* If you are planning to travel for more than 30 days, please contact us.
Contact Us
Local Calls: 540.946.3200
Out of Area Calls: 800.245.8085
P.O. Box 1365,
Waynesboro, VA 22980
Local Calls: 540.946.3200
Out of Area Calls: 800.245.8085
P.O. Box 1365, Waynesboro, VA 22980
© 2022 DuPont Community Credit Union