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Fraud Prevention Tips

Debit Card Fraud

Debit card fraud can occur when individuals lose their card, give their card to someone else to use, or when their PIN number is compromised. By following the simple guidelines below you can greatly reduce your chance of Debit card fraud.

Tips for protecting yourself against ATM/Debit card fraud:

  • Never write your Personal Identification Number (PIN) on your card or in your wallet. Memorize your PIN as soon as possible. Do not reveal your PIN to anyone.
  • Never use your date of birth, social security number, license number, or street address as a PIN — those are the first numbers a thief will try.
  • Do not throw away your ATM receipts at the ATM location. Keep them to reconcile your account, then dispose of them properly when you get home.
  • Always be aware of your surroundings when using the ATM. If it is late at night, try to use a machine that is well lit and avoid dark, remote locations.
  • Always evaluate the ATM machine you are using. Look for anything that may be suspicious looking, attached to, or around the machine. Thieves use ATM Skimmers (a device placed on the front of the ATM) to steal your card information.
  • Always make sure to retrieve your ATM card from the machine when the transaction is complete. Some machines fully insert your card and do not return it until the transaction is over.
  • Be aware of the person behind you. Make sure no one can see you entering your PIN or how much money you withdraw.
  • Wait until you are completely finished with your transaction and it returns to the home screen of the ATM.
  • Review your statement promptly to ensure all transactions are accurate. Report any discrepancies immediately.
  • Destroy old ATM cards immediately after receiving your replacement cards.

Check Fraud

This guide provides tips for protecting yourself against check cashing fraud. Check cashing fraud occurs when individuals use information taken from your checks, or the checks themselves, to access your accounts and commit fraudulent acts. By following the simple guidelines below, you can greatly reduce your risk of becoming a victim.

Tips for protecting yourself against check cashing Fraud:

  • Always safeguard your checks. Do not leave your checks out in an open area. Never leave your checks in your car or out on your desk at the office.
  • Keep your blank checks and canceled checks in a safe place. Put them in a vault or other secure location. Destroy old blank checks if you are not going to use them.
  • Limit the amount of personal information printed on the checks to your name and address. Use plain designed checks. The fancier the check, the easier it is to forge the signature. Useful information for thieves includes not only your account numbers, but information used to verify your identity, such as your driver’s license number, date of birth, and social security number. Do not have this information printed on your checks.
  • Do not leave your bill payments sitting in an unlocked mailbox for pickup. Many credit thieves will steal bills from rural mailboxes at the end of driveways so they can get your account information, checking information, and even your checks. Go to the Post Office directly or use a curbside USPS mailbox (the blue metal ones) and drop your bills in the slot rather than using less secure street mailboxes.
  • Be discreet when writing checks in public places. Write your checks carefully and leave no space in which figures or words can be inserted.
  • When you make an error in writing a check, be sure to destroy the check or write “VOID” or “canceled” across it and store it with your other voided/canceled checks.
  • If your checks are lost or stolen, report it immediately to your financial institution.
  • Reconcile your monthly statements as soon as possible to ensure all transactions are accurate. Contact us immediately if you do not receive it when expected.
  • When you reorder checks, mark your calendar. If you do not receive your checks within 15 working days, contact your financial institution immediately to inquire as to the status of the order.
  • Consider alternatives to check writing. For instance, paying by phone, online, bill-pay, or setting up automatic payments. Fewer checks mean fewer theft opportunities.

Credit Card Fraud

Credit card fraud generally occurs when cards or card numbers are compromised. By following these simple guidelines your potential for loss can be minimized.

Tips for protecting yourself against credit card fraud:


  • Keep a record of your account numbers, their expiration dates, and the phone number and address of each company in a secure place.
  • Review your credit card statement as soon as possible. Match charges with your receipts to ensure all charges are yours and are for the correct amount.
  • Always sign a new credit card immediately.
  • When making a purchase with a credit card, make sure you get the card back and the receipt. Check the receipt for accuracy.
  • Void incorrect receipt
  • When using a credit card at a restaurant or store, make sure that all blank lines are marked through so that no one can change the final amount and never sign a blank receipt.
  • Only travel with the credit cards you plan on using.
  • Never give the account number of the credit card over the phone unless you initiate the call.
  • Notify card companies in advance of a change in address.


  • Lend your card(s) to anyone
  • Do not write the PIN for the account on the card
  • Leave cards or receipts lying around
  • Sign a blank receipt. When you sign a receipt, draw a line through any blank spaces above the total.
  • Write your account number on a postcard or the outside of an envelope.
  • Give out your account number over the phone unless you are making the call to a company you know is reputable. If you have questions about a company, check it out with the Better Business Bureau.

Internet Fraud

Internet Fraud can occur when viruses, worms, bugs, spyware, etc. attack your electronic devices allowing hackers to view content or access secured files on your device. The most common type of Internet Fraud is Phishing Scams.

By following these simple guidelines, you can greatly reduce your risk of becoming a victim.

Phishing Scams

Phishing is an internet scam in which e-mail spam or pop-up messages are used to deceive you into revealing personal or financial information over the internet. Phishers will send you an email or a pop-up message that appears to be from a company that you deal with i.e. (your credit card company, credit union, or a government agency.) The message usually requests that you update or validate account information and it will direct you to a website that looks just like the legitimate organization’s website, however it isn’t. The purpose of the fake website is to mislead you into entering your personal information so the scammers can steal the information you entered to make purchases and/or steal your identity.

Protect Yourself

If you get an email or pop-up message asking for any type of information do not reply or click on any links. If you have any questions or concerns contact the company using a method you know to be valid.

Never give any personal information via email. Domino Federal Credit Union will never request for personal information via email.

Make sure that you keep your anti-virus and anti-spyware software up to date. For any other questions or information feel free to contact your local Domino Federal Credit Union branch.

Identity Theft

Identity theft occurs when a criminal uses another person’s personal information to take on that person’s identity. Identity theft is much more than misuse of a Social Security number. It can also include credit card and mail fraud, but there are many ways to protect yourself.

Tips for protecting yourself against Identity Theft:

  • Know what is in your wallet. Avoid carrying your Social Security number in your wallet or purse. This number provides access to personal information, and it should be stored in a safe and protected place. In addition, only carry the credit cards you need. This practice limits access to your accounts in the event that your purse or wallet is lost or stolen. It is also a good idea to periodically photocopy your cards and keep a record of the customer service phone numbers associated with your financial accounts to speed up the process of cancelling credit cards, if needed.
  • Shred, Shred, Shred. Open all mail and read it carefully—even the items that might appear to be junk mail could contain personal offers. Any items with personal information, such as pre-approved credit offers, bank statements, or utility bills should be shredded before being discarded.
  • Be suspicious of solicitors. You should never give personal information or your Social Security number to people unless you have verified that they are trustworthy. This advice applies to sharing information over the phone, in-store, or online.
  • Monitor your revolving accounts and credit score. Check your bank, credit card, and other financial account information along with your credit score once a year to reduce the risk of unauthorized charges or credit applications. If you see a suspicious charge, immediately contact your financial institution.
  • Take action against unauthorized actions. If you notice a new account has been opened in your name without your permission, immediately contact one of the three major credit bureaus—Equifax, Experian or TransUnion—and ask that a “fraud alert” be placed on your record. Once the alert is placed, the other two bureaus will be notified, and creditors will be required to contact you directly before opening new accounts or making changes to existing accounts. In addition, file a police report and submit a complaint to the Federal Trade Commission. You also might consider enrolling in paid services that monitor your credit report and alert you when someone applies for credit in your name or account information is altered.
  • Surf the Internet safely. Millions of people are online at any given time, some of whom are thieves looking to steal your identity. These hackers can be found collecting information from unsuspecting “pop-ups,” surfing unsecured networks or hacking into retail websites. Be sure to always use a secured network, and frequently update firewall protections on your computer. Also limit the amount of personal information you post on networking websites.