Identity Protection Resource Center

A number of institutions have reported an increase in fraud attempts. These fraud attempts have followed three different scenarios, all of which are designed to ultimately provide the fraudsters access to people’s online and mobile accounts. We want to make you aware of these scenarios, and inform you what you can do to protect yourself.
  • Direct Federal will never call, email, or text you and ask for your Online Banking credentials or verification code. If you receive a communication that fits this description, please call us 888.2DIRECT.

What you need to know to protect yourself

Fraud Message

Direct Federal will never email you and ask you for personal information. Phishing is the most common method of cyber attack and occurs when the cybercriminal emails you and tries to get you to click a malicious link, reply with personal and confidential information, or download a corrupt file. These emails may have the Direct Federal logo, may have our name listed, and even look like they are coming from us.

Tips to look for:

  • Spelling and grammatical errors
  • Subtle typos in the sender’s email address (i.e. memberservice@dirctfederal.com)
  • A link that leads to a different site than mentioned in the message. You can hover over the link to see the full URL that the link will bring you to

REMINDER: Direct Federal will never ask you to provide confidential information such as your account number, PIN, password or Login ID via email.

Fraud Call

Direct Federal will never call you and ask you for personal information. Vishing is similar to what we discussed above but it happens over the phone. The cybercriminal will use personal information they have previously accessed about you and call and pretend to be your credit union or bank. They will try to get you to reveal your username, password, or PIN.

Tips to look for:

  • An unfamiliar or unknown caller ID
  • A caller who claims to be a bank employee saying there is an issue with your account
  • A caller who doesn’t answer your questions or provide additional information when questioned

REMINDER: Direct Federal will never call you and ask you to provide confidential information. If this occurs, please hang up and call back our main number—888.2DIRECT.

Fraud Website

Direct Federal will never text you asking you to conduct a specific transaction, click on a link, or download an app other than our mobile app. Cybercriminals will text you and try to get you to either call a specific number or do a specific action.

Tips to look for:

  • Spelling and grammatical errors
  • Sent from an unfamiliar number
  • Contains an embedded link

REMINDER: Never reply or take action from unknown senders.

If you are concerned that any of these scenarios may have happened to you (clicked on a link from a suspicious email, downloaded an app from a suspicious text message, provided information to a suspicious caller, or inadvertently clicked on a link or called a number on a fraudulent website), please contact us so that we can review your accounts with you, and if need be, take steps to ensure they are secure.

We want our members to stay apprised of best practices in managing finances, and will continue to post updates regarding recent fraud cases in our community on our website. Should you have any questions, please call us at 888-2Direct.

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Top 10 Security Tips

  • Password protect your phone, tablet, computer.
    Password protect your devices when not in use to prevent unauthorized access and to protect yourself in case your device is lost or stolen.
  • Create strong, unique passwords.
    Passwords should be 8 or more characters long and include a combination of numbers, symbols and upper, and lowercase letters.
  • Use multi factor authentication.
    Enable multi-factor authentication for each time your access online banking. Multicolor authentication is a method in which your device is granted access after successfully providing two or more pieces of information.
  • Don't keep your accounts logged in.
    When you are done with online banking, log out.
  • Avoid banking on public Wi-Fi.
    Public Wi-Fi isn't very secure. Avoid accessing online banking on public Wi-Fi. Save that for a secure network at home.
  • Don't access your online account from a shared computer.
    Avoid accessing your Direct Federal account from a computer that is not yours or is a shared computer.
  • Don't provide personal or account information.
    Direct Federal will not ask for you to supply personal information, such as your social security number or account number, via text or email. Be suspicious of any unsolicited requests for your information. When in doubt, contact Direct Federal immediately.
  • Don't provide your Direct Federal account or personal information via email.
    Direct Federal will never ask for information like your social security number, account information, or credit card information via email.
  • Do check your Direct Federal accounts regularly for unauthorized monetary activity.
    Make it a habit to check your Direct Federal account transactions frequently for any unauthorized charges or withdrawals. Report any fraudulent charges immediately to us.
  • Do report lost/stolen cards right away.
    If your debit or credit card is lost or stolen, report it right away.

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