Security and Fraud

Know The Facts About Identity Theft!

In today's environment, it is critical for you to understand how to prevent and recover from identity theft.

How does someone steal your identity?

Identity thieves use a wide range of methods such as rummaging through trash for anything that has your personal information on it, stealing mail such as bank statements and credit card statements, snatching wallets or purses, hacking unprotected computers, sending fraudulent e-mails that ask for personal information and appear to have been sent from a trustworthy source ("phishing"), using a device to steal credit/debit card numbers as a transaction is processed electronically ("skimming"), changing their victim's address, creating false pretenses to obtain your personal and financial information over the phone or email ("pretexting"), and taking checkbooks, pay stubs, and other personal information left inside vehicles.

If your identity has been stolen:

  • File a police report

  • Notify creditors and your credit union

  • Monitor your account closely

  • Dispute any unauthorized transactions with your credit union or creditor

  • Change your account number if you think it has been compromised

  • Review your credit report

Safeguard Your Identity

Take these simple steps to protect your identity:

  • Shred your trash
    • Purchase a cross-cut paper shredder
    • Shred anything that has your personal information on it
  • Take precautions when using your home computer
    • Purchase an anti-spy software
    • Do not click on pop-ups
    • Do not open mail that you do not recognize
    • Report anything unfamiliar or suspicious to your web/email host
  • Take advantage of your credit union safety features
    • Put a verbal password on your account for all transactions in person or over the phone that only you would know
    • Monitor your account online every day with a secure password
  • Be Smart!
    • Consider getting a PO Box instead of using your mailbox at home
    • Do not carry your Social Security card with you
    • Purchase a safe to securely store all personal information
    • Do not keep sensitive, personal information in your car
    • Photocopy your identification, credit cards, and debit cards so you have paper records to prove who you are, and have the phone numbers necessary to call and cancel cards
    • Never give a credit card number, social security number, or other personal information over the phone or via e-mail to any unsolicited callers
    • Review your credit report regularly and report any errors to the credit bureau. You can request a free copy of your credit report annually at

Protect Yourself and the Environment

Online Banking and Bill Pay are much safer alternatives to paper-based options.

The Safer Way To Handle Transactions

If you pay bills through the mail with checks, there is a chance that the check may be intercepted by mail thieves and "washed," essentially giving the criminal a blank check with all of your account information. If your statements are sent to you through the mail, you run the risk of sensitive account information falling into the wrong hands.

Although no system is 100% risk-free, Online Banking and Bill Pay use the latest in encryption technology to ensure the safety of your data. As a user, you can do your part by using secure passwords, as well as protecting your computer by using firewalls and/or security software that protects against hackers.

Environmental Impact

Did you know that if every U.S. household stopped receiving paper bills and statements, 687,000 tons of paper would be saved each year? That is enough to circle the Earth 239 times! On top of that, when you use Online Banking and Bill Pay, you eliminate trips to the credit union, saving you time and gas!

Internet Safety

Whether you are shopping, paying bills, checking your accounts, or just surfing the net, you must ensure that your private information remains private. This brochure offers tips and information that you can use whenever you are on the Internet.

Download the Internet Safety brochure from the National Credit Union Administration (PDF 200k).

Phishing Scams

Have you received e-mails asking you to verify your account information or telling you that your account access may be removed if you do not respond? These e-mails may be thieves trying to capture your personal information in an attempt to steal your identity, otherwise known as "Phishing". The e-mails may look as if they come from Dover Federal and may include a message that encourages you to link to a fraudulent site that looks similar to Dover Federal's website. Phishing scams occur often and are aimed at members and customers of all financial institutions, including Dover Federal. Dover Federal will never solicit your personal identification or account information via e-mail or telephone.

A recent phishing attempt to obtain credit card accounts and expiration dates has the NCUA issuing a fraud alert to all federally-insured credit unions. The alert states that the NCUA does not ask credit union members or the general public for such personal information and anyone who receives an e-mail from the NCUA asking for account information should consider it as a fraudulent attempt to obtain their account information. If you feel that you may have been a victim of this scam, please notify Dover Federal immediately. For more information about this alert, please visit To learn more about phishing scams, click here.

We recommend that you carefully review your Dover Federal account transactions at My Account Online Banking on an on-going basis. Immediately report any fraudulent transactions or activity to Dover Federal.

Text Message Scam Alert

Dover Federal Credit Union has identified a phishing scheme utilizing phone calls, text messages, and e-mails that reference your accounts with "DFCU." The messages may mention any, or all, of the following:

  • Confirming Account or Credit Card Numbers

  • Account De-activation

  • Account Status Alert

  • Changes to Terms and Conditions

  • Irregular Activity

The messages encourage you to call a number to have account discrepancies resolved or cards reactivated. Messages may request that you leave callback information or that you provide your account information directly.

Do not respond to these messages. They are fraudulent.

If you have already responded to such a solicitation and provided confidential account information, please contact Dover Federal Member Services immediately by calling 302-678-8000 or 888-818-3328, or by visiting any of our Branch Offices. A Member Services Representative will assist you in taking the necessary steps to rectify your situation.

If you would like to learn more about other types of fraudulent e-mails and scams, click here.

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Dover Federal Credit Union is an Equal Opportunity-Affirmative Action employer.