Avoid embarrassment and future hassles!

Currently, when you use your ATM or Visa debit card and there are not enough funds in your account to cover the transaction, we have the option to authorize and pay the item (with a fee) or decline it. It has been Department of Corrections Credit Union’s practice to honor many of these transactions for our members.

Effective August 15, 2010, your account will become subject to new federal regulations governing overdraft services for ATM and debit card transactions. As a result, unless you give us authorization, your ATM or Visa debit card item could be denied because of insufficient funds. By giving us permission, we can continue to serve you as we have in the past.

We want to continue to provide you excellent service. Click here to “opt in”.  By doing so, you can avoid the embarrassment of a denied transaction.

If you have questions, contact Member Services at 225-342-6618 or at your nearest branch location. 

VISA Phishing Attempt
June 2011 It has been reported that DOCCU members are receiving text messages from 1-256-744-5456 stating that they are Louisiana Capitol FCU (LaCap) & that their debit card has been deactivated and to call 1-225-395-0298 to reactivate your card. DO NOT CALL that number. This is a SCAM and if you ever have questions regarding your debit card or credit union account you should ALWAYS call the credit union directly. Call 1-877-362-7005.

January 2010 - The following email posing as Visa Card Services has been reported being received:

Subject: possible fraudulent transaction with your Visa 4XXX-XXXX-XXXX-XXXX

Dear VISA card holder,

A recent review of your transaction history determined that your card was used at an ATM located in Belarus, but for security reasons the requested transaction was refused. You need to complete the VISA card holder form. You can do this by clicking the link below:

<website address referencing link inserted here>

VISA Cards Support
ID: KET34Y9YM4KX4LBSCV7Q9IXOEEQ7X3ZW8T4GM0GKH7WR2VOGQ19PDZ

THIS IS NOT A LEGITIMATE EMAIL. IT IS AN ATTEMPT TO OBTAIN PERSONAL INFORMATION. Please do not open or respond to emails such as this. Visa does not send email notifications to verify suspicious nformation.

Text Phishing Scams
June 2009

There have been reports of text messages being sent to members’ claiming to be from various financial institutions (banks and credit unions) for the purpose of obtaining personal information. Members are told that their bank account has been closed due to suspicious activity, or they are asked to call an 800-number to “verify information on file”. Unsuspecting callers who dial the number provided in the text message, is taken to an automated voice mail that prompts them to enter personal information.

The following tips will help members to avoid becoming a “smishing” or identity theft victim:

• Be wary of any messages received from an unknown sender.
• Never provide personal information in response to unsolicited text messages, or emails.
• Do not open unsolicited emails or text messages.
• Do not click on any links provided in unsolicited emails.
• Become familiar with the financial institution’s policies for communicating with customers.
• Upon receipt of an unsolicited text message, call the actual business at a telephone number that appears on a bank statement, a credit card or debit card, or the telephone directory.

Further, Department of Corrections Credit Union will never contact members via text messaging therefore any messages received through such are most certainly fraudulent.

To report fraudulent text messages, emails, or telephone calls seeking personal information contact the Louisiana Attorney General’s Office at 1-800-351-4889.

Be Cautious & Protect Your Identity – If you are approached by anyone posing as a Census worker, do not release confidential information such as your social security number, card or account numbers.  Never click on a link or open any attachments in an Email that are supposedly from the U.S. Census Bureau.

Phone Phishing
May 2010

An alarming increase in smishing (text message phishing) and vishing (phone phishing) using automated messages are targeting credit union members and nonmembers around the country to lure them to give up their card or account information.

The automated message indicates the individual’s card has been deactivated and to reactive the card, he/she must enter their 16 digit card number, CVV2/CVC2, card expiration date, and/or PIN. In some cases there was no number attached to the call. Providing this information will result in subsequent fraud.

We are asking our cardholders to NEVER respond to a text message or phone call that requests personal or account information. Monitor accounts on a regular basis and report unauthorized transactions immediately.