DCCU Routing # 251483311
DCCU Routing # 251483311
How can DCCU help you today?
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.
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.
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.
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:
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:
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.
A credit report contains information about your credit history and the status of your credit accounts.
This information includes:
It can also contain public records such as liens, judgments, and bankruptcies that provide insight into your financial status and obligations. It is important to check your credit report regularly for accuracy. You can obtain a free credit report every 12 months from each of the three main credit reporting agencies – Equifax, Experian, and TransUnion – from a central website, www.annualcreditreport.com.
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?
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:
Limit one Travel Note per card.
* If you are planning to travel for more than 30 days, please contact us.