Answers to Security Questions About Your Visa and Moneycard
 
Q: What does Falcon do?
A: Falcon utilizes neural network computer technology to track each individual cardholder’s normal purchasing habits. Using this profile, all purchase requests are filtered before approval is given. This allows uncharacteristic or incomplete transactions to be questioned for validity and helps reduce fraud. This system is administered from a national command center that is fully staffed 24 hours a day.


Q: What if potentially fraudulent activity is detected?
A: The transaction may be declined or you may receive a telephone call or letter requesting verification of purchases. In the event the transaction was fraudulent, your card would be blocked and a new card issued immediately. If you are contacted by the Falcon service center, please know that they are calling to verify transactions for your protection so that your card(s) will remain secure and exclusively for your use. If you receive a message from the Falcon service center, contact them directly at 800-377-1809.

Q: What security measures are available to protect my card(s)?
A: At Dupaco, protecting your accounts from fraud is among our highest
priorities. For this reason, all credit union plastic cards are protected by the
Falcon Fraud Protection System™, the most technologically advanced card security system available in the industry.

Q: Can you give me an example?
A: A school teacher who makes occasional, small purchases with his credit card in eastern Iowa would have a different pattern in the neural network than a doctor who always uses her credit card for business trips around the world. If a $2,000 purchase is made in Singapore on both accounts, the school teacher’s account is more likely to be examined.

Q: If I am called by Falcon, what will they ask?
A: Falcon service center personnel will inform you that they represent Dupaco Community Credit Union, verify your identity, and question one or a number of transactions for validity. Please note that Falcon personnel may ask you for your card number.

Q: What if my transaction is declined?
A: If appropriate funds are available, ask the merchant to contact the
authorization center for a specific reason for the decline. During regular office
hours, you may also contact Dupaco at (563) 557-7600, ext. 201, or 800-373-7600, ext. 201.

Q: Are additional security measures in place?
A: Yes. With our card activation feature, the recipient must call a toll-free telephone number from his/her home telephone number to verify that the card has been received by the appropriate party. In addition, the credit union has encoded special information into the magnetic strip of the card to prevent the production of functional counterfeit duplicates.

Q: What if my card is lost or stolen?
A: Take immediate action to avoid unnecessary losses. During regular office hours, contact Dupaco at (563) 557-7600, ext. 201, or 800-373-7600, ext. 201, to request a block of all transactions. After hours, call the same number
and select option number one.

Q: What if I lost or want to change my PIN?
A: Bring your card to our Hillcrest, Sycamore, Asbury, Key West, Dyersville,
Platteville, or Galena location and have a new PIN programmed to work with your card immediately. If you prefer, you may contact a Member Services Representative at any credit union location and ask that a new Personal Identification Number (PIN) be mailed out to you.