External Site Notice
SUSPICIOUS TEXTA text message claiming to be Dover Federal and stating that "a new device attempt to sign in your account outside USA just now" is not a valid notice. Do not click the link in the message or reply to it.
CURRENT NOTICESIf you receive a call from someone claiming they are working with Microsoft and Dover Federal, this is not legitimate. Please end the call immediately and do not give them any information.
E-Pay Scheduled FraudBe aware of text messages stating that an E-pay was scheduled and to click a link if this was not you. Do not click on any links in a message like this. If you would like to verify any scheduled payments, please log in to Online Banking from our app or website.
Protect Yourself From Being a Victim of a Scam
Awareness is one of the strongest weapons to prevent becoming a victim of fraud or a scam. Please review the information below to stay up-to-date on different types of fraud schemes and scams, so Dover Federal Credit Union can help protect your personal and financial information.
Phishing is when Internet fraudsters impersonate a person or entity to trick you into giving them your personal information.
- Don’t follow links in e-mails that ask for personal information.
- Never open unexpected attachments.
- Delete suspicious messages, even if you know the source.
Tech Support or Remote Access Scams
Even if the phone number seems local or legitimate, an unexpected tech support call is likely a scam.
- Crawl your hard drive for sensitive data, passwords and photos. Scammers will quickly collect anything they can use to withdraw money from bank accounts, steal your identity, or extort money from you.
- Install invasive malware or spyware. Scammers can establish ongoing access to your computer without you even knowing it. They do this by installing add-ons or programs onto your computer that continually steal sensitive information or mask what they’re doing behind the scenes. So, what you see on the screen isn’t what is actually happening.
- Commit Identity Theft. With all the personal information that they find on your computer, scammers will have everything they need to steal your identity.
- Hold your information hostage. Hackers can download what’s called “ransomware” onto your computer. It locks all of your files unless you pay a ransom.
- Sell your information on the Dark Web. People who commit fraud and theft on the Internet often make use of the Dark Web. This hidden illegal marketplace is a hotspot for scammers and hackers who buy and sell ready-made packages of individual’s personal information to fellow internet criminals.
Romance scams are incidents where a fraudster fabricates an online identity to earn the trust and affection of their victim.
- Scammers say they can’t meet you in person. They might say they’re living or traveling outside the country, working on an oil rig, in the military, or working with an international organization.
- Scammers will ask for money. Once they gain your trust, they’ll ask for your help to pay medical expenses (for them or a family member), buy their ticket to visit you, pay for their Visa, or help them pay fees to get them out of trouble. They may even offer to help you get started in cryptocurrency investing.
- Scammers will tell you how to pay. All scammers, not just romance scammers, want to get your money quickly. They want your money in a way that makes it hard for you to get it back. They’ll tell you to wire money through a company like Western Union or MoneyGram, put money on gift cards and give them the PIN codes, send money through a money transfer app, or transfer cryptocurrency.
Work-From-Home Job Scams
These are fraudulent offers of remote employment, usually requiring upfront fees or personal information, with no genuine job opportunity provided.
One-Time Passcode (OTP) Scams
An OTP scam is a fraud tactic where scammers trick victims into sharing their OTPs, thereby gaining unauthorized access to their accounts.
Bank Impersonator Scams
A fraudulent scheme where criminals pose as bank or credit union representatives to trick victims into providing sensitive information.
Pay Loan Scams
Schemes where scammers pose as lenders, often promising guaranteed approval or quick cash, but primarily aim to collect upfront fees, personal information, or both, without providing any actual loan.
What Are Scammers After?
As scammers become more sophisticated, it is important to understand the signs of fraud and best security practices. The most frequently chosen delivery method of these scams is through email, texts, social media, and online ads claiming to be from reputable sources, tricking you into falling victim to their scams.
These fraud techniques are designed to mislead you into providing personal information such as:
- Account Numbers
- Debit Card Information
- Social Security Numbers
- Date of Birth
- Credit Card Information
- Mother’s Maiden Name
- Login Credentials
(username & password)
Help Protect Yourself With These DOs and DONTs
Keep an eye out for deceptive text messages and emails, that appear to be from a trustworthy source.
- Check the sender’s name for familiarity and authenticity. Does the email address and phone number match who the sender is claiming to be?
- Check for grammatical errors in email and text messages. Does the message contain misspelled names or words?
- Check for a threatening message. Does the message warn you that your account has been hacked or locked? Does it claim that your personal information is at stake?
- Check for suspicious attachments and refrain from opening. Does the message contain an attachment that you didn’t request?
- Never provide any account or login credentials to unsolicited emails, texts, or phone calls.
- Never click on links or open attachments within electronic communications when in doubt or if they appear to be suspicious.
Dover Federal will never contact you by phone, email, or text to request personal information or your online banking credentials. Unless you initiate the contact or we are completing an application for you, Dover Federal will NOT request personal information.
If you believe you have been a victim of fraud related to your Dover Federal accounts, notify us immediately at 888-818-3328
This is a great credit union. The employees are friendly and do their job well. The rates are great and the fees are low. I will never use a regular bank again!