Security & Fraud Protection

DFCU Financial is committed to maintaining the privacy and security of your personal and private information.

General Security Information 

Debit Cards

Unexplained charges on your debit card may sometimes show up on your statement. Sometimes these charges may be due to fraud.

Learn more about debit card fraud and disputes, and how to file a claim if you believe fraud has occurred.

Identity Theft

Identity theft happens when someone obtains your name, address, Social Security Number, bank or credit card account number, or other identifying information without your knowledge and uses it to commit fraud or other crimes.

Visit the Federal Trade Commission (FTC) website for additional information on preventing and responding to identity theft.

Access DFCU Financial's Identity Theft Recovery Kit here. 

Credit Reports

It's important to check your credit report every 12 months to ensure that the information appearing on it is accurate.

Read how to obtain a free copy of your credit report every 12 months.


Digital Security Information 

DFCU OnLine and DFCU Mobile

When you use DFCU OnLine and DFCU Mobile, we encrypt your Member Number and password and use firewalls that act as a shield between the Internet and DFCU Financial’s internal systems. These precautions are intended to prevent anyone other than you and DFCU Financial from accessing your personal information.

While we work hard to protect and secure your accounts, there are several steps you can also take to help prevent unauthorized account activity:

  1. Install security software on your computer.
  2. Do not write down or share your log-in credentials or any other personal information.
  3. Log off when leaving your computer.
  4. Provide personal information only once you have logged in to DFCU OnLine from our website's homepage.

In addition to the safeguards outlined above, the federal government also provides protection for consumers. The same law protecting you from fraudulent credit card usage also protects you from unauthorized account access activity. Please refer to your Online Account Access Agreement for details.

Bill Payment and PopMoney

FraudNet, our Bill Payment & PopMoney Fraud Detection solution, provides fraud prevention capabilities by analyzing daily bill payment and PopMoney transaction data, comparing the data to suspicious fraud scenarios and examining user behavioral patterns.

When fraud is suspected, our representatives may hold processing of suspicious payments until the transaction can be verified as fraudulent or authentic. You may be contacted with questions and asked to verify your name and address, but will never be asked to provide your Social Security number.

If you have any problems or questions, call Bill Pay and PopMoney Customer Service at 888.918.7436 or send us a Secure Message through DFCU OnLine.

Suspicious Email

Phishing is when someone sends an email pretending to be a legitimate entity to scam someone else into providing personal information that will be used for identity theft. The email usually directs the user to visit a website where they are asked to update personal information (Member Numbers, Social Security numbers, PIN numbers, passwords) that the legitimate organization already has.

Read the FTC consumer alert on phishing.

DFCU Financial will never request that you send personal information via email and will not sell your email address to our partners and vendors. If you encounter a suspicious email or website that says it's from DFCU Financial, do not respond to it and consider this an unauthorized attempt to gain access to your personal information for purposes of fraud.

You should be suspicious of any email that appears to be from DFCU Financial containing links (other than a link to our website) to a page asking you for your personal information. Never provide personal information in response to an unsolicited request.

Forward suspicious emails and websites that claim to be affiliated with DFCU Financial to so we can investigate the source. Once you have forwarded the email, please delete it from your mailbox. Please do not use this email address for conducting other business with DFCU Financial.


NCUA Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.


Unauthorized attempts to upload information and/or change information on this website is strictly prohibited and are subject to prosecution under the Computer Fraud and Abuse Act of 1986 and Title 18 U.S.C. Sec.1001 and 1030.

DFCU Financial - Copyright © 2016 - Dearborn, Michigan - All rights reserved

While the DFCU Financial Board of Directors intends to pay Cash Back every year, and has done so since 2006, Cash Back is not guaranteed and will depend on our financial performance and other factors. Annual Cash Back payments are limited to an aggregate of $25,000 for each tax-reported owner. The IRS requires that Cash Back for an IRA be paid to the same IRA account, and that it be open when Cash Back is deposited. Cash Back to Business Banking members is subject to additional terms. Anyone who causes DFCU Financial a loss for any reason is not eligible for Cash Back.