Fraud Alert Checklist: Stop Fraud Before It Stops You

One "YES" answer could save thousands—use this fraud checklist to identify scams in progress, recognize red flags before sending money, and know when to contact us immediately.

Call to Report Fraud

The Golden Rule of Fraud

If They Send a Check and Want Money Back—It's a Scam

Before diving into specific scenarios, remember this universal truth that stops most fraud: Anyone who sends you a check then asks you to wire money back is running a scam. Period. No exceptions. The check will bounce days later, but your wired money is gone forever. This single rule prevents countless losses.

Check arrives unexpectedly

Sender wants money wired

Excuses include "overpayment"

Check seems legitimate

Your wired money

Email and Account Scams

Digital Deception Red Flags

Fraudsters use sophisticated emails to steal account information or trick you into fraudulent transactions. These digital scams often appear legitimate but always have telltale signs. If any of these scenarios sound familiar, you're likely being targeted.

Emails requesting account updates

Commissions promised

Account verification

Security alerts

DFCU never requests

Online Transaction Traps

When Internet Deals Turn Dangerous

The internet's anonymity makes it perfect for scammers selling fake goods, offering phantom jobs, or creating fictional relationships. These scams often involve checks, urgency, and requests to forward money. Recognizing the pattern protects your finances.

Internet sale checks

Overnight delivery

Online job offers

Romance interests

Business names

Lottery and Prize Frauds

You Can't Win What You Didn't Enter

Lottery and sweepstakes scams prey on excitement and greed, convincing victims they've won contests they never entered. These scams always require upfront payments for taxes, fees, or processing—money you'll never see again along with your phantom winnings.

Lottery winnings

Processing fees

International transfers

Urgent deadlines

Real lotteries

Emergency Action Steps

What to Do When You Answer "YES"

If any checklist item triggered a "YES" response, immediate action is critical. Don't be embarrassed—scammers are professionals at deception. Your quick response can prevent or minimize losses. Every minute counts when fraud is involved.