Debit Card Fraud Update

ATM skimming is a growing threat to your financial information. If you're not familiar with ATM skimming, it's the act of obtaining card information using a reader device attached to an ATM or card reader.

We recently became aware that some local ATMs have been targeted and that some victims were DFCU Financial members. Here are a few ATM safety tips along with answers to some frequently asked questions.
  • Check the ATM before inserting your card. Look for loose or ill-fitting pieces on the exterior. 
  • Trust your instincts. If something doesn’t look or feel right about the ATM, do not use it.
  • Keep your PIN secret! Skimmers rely on cameras to obtain your PIN. By hovering a hand over the keypad as you enter your PIN, you will block the crooks’ access to this confidential information. 
  • Use a DFCU Financial or other financial institution ATM whenever possible. ATMs at service stations and convenience stores are much more likely to have a skimmer installed.

Debit Card Fraud Update FAQ

No. There's no fee to use the debit card to make a purchase. It's a fast and simple way to pay from your checking account.
Yes. Your DFCU Financial debit card has a spending limit of $5,000 per day. The spending limit is equal to the available balance in your Checking Account minus outstanding purchases that have not posted. This spending limit is applicable provided those funds are available in your account. 
There are two types of debit card transactions: the 'debit' option requires you to enter your Personal Identification Number (PIN) to complete your transaction; the 'credit' option requires your signature.
DEBIT Option: When you pay for a purchase, the clerk will ask, 'debit or credit?' When you select the 'debit' option, you must enter your PIN after the card has been swiped through a point of sale terminal. With PIN transactions, funds are withdrawn from your checking account when the transaction occurs.
 NOTE: The debit option must be selected if you wish to get cash back from the merchant at the time of transaction.
CREDIT Option: When you select the 'credit' option, it becomes a 'signature transaction.' You may be asked to sign or enter your PIN to verify the transaction; you may not need to do either. With a signature transaction, funds are held in your checking account at the time of purchase until the transaction posts to your account in one to three days.
Report a lost or stolen card to DFCU Financial immediately. Please call us at 888.336.2700 during normal business hours (M-F 8am-6pm; Sat 9:30am-2pm), or if it's after hours, you can call 833.448.0024. To protect your card from unauthorized use, memorize your PIN, and don't keep the PIN with your card.
There are no fees when you use your card at ATMs owned by DFCU Financial, and most retailers do not charge a fee. However, when you use your cards at ATMs from other financial institutions, there may be a small fee. See our Fee Schedule.
Your DFCU Financial debit card gives you access to your funds at DFCU Financial ATMs, any ATM that accepts cards from Mastercard®, NYCE®, CO-OP Network® and most retailers.

Fee-free ATM deposits/withdrawals can be made at DFCU Financial ATMs or at more than 1,700 fee-free ATMs in Michigan, and nearly 30,000 nationwide, via the CO-OP ATM Network.
You can withdraw up to $500 per day, provided the funds are available in your account.
DFCU employs the most advanced fraud detection and prevention technology to guard members’ credit and debit accounts against unauthorized access and use. While fraud happens, our security team contacts members when we observe unusual account activity whenever possible to determine whether the transaction activity is authorized. This is just one reason why it’s important to keep your contact information updated with us. 

We strongly recommend members to monitor and check their accounts and transactions to look for any unauthorized activity or purchases, and notify us immediately.
  • Please complete the Cardholder Fraud Form here.
  • Return the completed form in person or via fax to 313.322.8460. 
  • You will receive reimbursement for unauthorized activity that occurs due to a compromise, as long as the activity is reported within 60 days from the first periodic statement that is sent to you on which the unauthorized transaction has appeared. 
  • While you are not liable for fraudulent charges, it may take up to ten business days (from the receipt of the form) to refund your account, especially in instances where a large number of our members’ cards have been compromised. This may affect the available balance on your checking account and could result in items being returned if the resulting balance is insufficient.
As a Mastercard cardholder, Zero Liability applies to your purchases. To learn more, visit

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


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If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 888-336-2700 for assistance. Also, all products, services and information available on this website are also available at any of
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*APY = Annual Percentage Yield. Paid and compounded quarterly. Dividend rates are determined by the principal balance when your certificate is opened. Dividend payments will not affect the dividend rate during the term even if the minimum balance for the next tier is met. Rates subject to change without notice at any time. Penalties may apply for early withdrawals. DFCU Financial deposit products are insured by the NCUA.

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While the DFCU Financial Board of Directors intends to pay Cash Back every year, and has done so since 2007, 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 $10,000 for each tax-reported owner. The IRS requires that Cash Back for an IRA be paid to the same IRA, and that it be open when Cash Back is deposited. Cash Back to Commercial / Business Banking members is subject to additional terms. Anyone who causes DFCU Financial a loss for any reason is not eligible for Cash Back.