Card Fraud: Your First Line of Defense Against Card Fraud
Stay one step ahead of criminals—DFCU will never request your personal information via email or text, provides 24/7 fraud support, and helps you recognize skimming devices before they steal your data.
Immediate Fraud Response
Suspect Something? Act Now
Time is critical when card fraud strikes. The faster you report suspicious activity, the better we can protect your accounts and minimize damage. DFCU provides multiple ways to report fraud immediately, with real people ready to help secure your finances 24/7. Don't wait for certainty—suspicion is enough to take action.
Contact any branch
During business hours.
24/7 phone support
At 800-326-3328.
Immediate card blocking
To prevent further fraud.
Fraud investigation
Begins upon report.
Card replacement
Issued quickly.
When in doubt, reach out—we're here to protect you.
DFCU Never Asks
Recognize Legitimate Communications
Scammers often impersonate financial institutions to steal your information. Know this absolute truth: DFCU will NEVER ask for your personal or confidential information through email, text, or voicemail. If we contact you, we already have your information on file. Any request for passwords, PINs, or account numbers is automatically fraudulent.
Never provide passwords
Via email or text.
Ignore requests for PINs
Through any channel.
Delete suspicious emails
Claiming to be DFCU.
Don't click links
In unexpected messages.
When we call you
We verify ourselves, not you.
Real DFCU communications never fish for your information.
Understanding Skimming
The Silent Theft of Card Data
Skimming devices steal your card information without you knowing. Criminals attach these devices to ATMs, gas pumps, and point-of-sale terminals to capture magnetic strip data and PIN numbers. Within hours, cloned cards appear across the country making purchases with your money. Understanding how skimming works helps you avoid becoming a victim.
Magnetic strip data
Captured by overlay devices.
PIN cameras
Record your keypad entries.
Cloned cards created
From stolen data.
Original card stays
In your possession.
Fraud appears
Days or weeks later.
ATM Safety Inspection
What to Check Before Using Any ATM
Skimmers target ATMs because they capture both card data and PINs. Before using any ATM—even at banks—perform these quick safety checks. Most skimming devices are hastily attached with tape and don't match the ATM's original design. Trust your instincts: if something looks wrong, it probably is.
Inspect door readers
For loose or mismatched parts.
Check card slots
For attachments or wiggling.
Look for cameras
Aimed at the keypad.
Cover your PIN
Entry with your other hand.
Note weekend installations
When banks are closed.
If You're Victimized
Swift Action Minimizes Damage
Despite precautions, fraud can still occur. When it does, quick response limits financial damage and speeds recovery. Follow these steps immediately upon discovering unauthorized charges or if you suspect your card data was compromised. The sooner you act, the easier resolution becomes.
Call police
And file an official report.
Contact DFCU immediately
At 800-326-3328.
Freeze credit
With all three bureaus.
Document everything
— dates, amounts, communications.
Request free credit report
Quick action turns major crisis into minor inconvenience.
Protection Starts With Awareness
Card fraud evolves constantly, but your defenses can too. Remember: DFCU never requests your information, skimmers target complacent users, and immediate reporting limits damage. Save our 24/7 fraud number (800-326-3328) in your phone now—because when fraud strikes, every minute counts.
Call Our Fraud Hotline: 800-326-3328
Talk to a DFCU specialist any time, day or night. We can help you report fraud, secure your accounts, and walk you through next steps.