Appointments  |  Rates  |  Locations  |  Chat  |  JOIN NOW

Few of us can imagine going a day without using our cellphones. For many people, it’s become their preferred method of communicating and doing business. Scammers take advantage of our reliance on cellphones and use them to trick us into giving them our personal information. It’s important to be aware of the kinds of scams they use.

One common scam is phishing. Thieves “phish” by sending emails or text message claiming to be from authentic organizations, like credit unions, to get you to reveal your private information.

These phishing scams can come in two forms: vishing or smishing attacks. Both aim to trick people into revealing their Social Security Numbers, credit union account numbers, personal identification numbers (PINs), passwords, etc. Usually, the messages are scare-tactics to make you panic and act quickly. For example, they will say your account will be terminated unless you act immediately.

The term “vishing” comes from “voice” plus “phishing”. This involves the fraudster claiming to be from a company or financial institution, calling you and requiring that you provide or confirm personal information. For example, they might send a recording informing you that your credit card has been used illegally. You are asked to call an 800 number and confirm account details. The consumer’s answers are saved and later used to commit identity theft.

The term “smishing” comes from “SMS” plus “phishing” (SMS stands for “short message service”, or text messaging. In smishing, the thief attempts to get your information by sending a text message instead of calling.

A common smishing ploy goes like this: You receive a text message, seemingly from your credit union, stating that your account has been closed. To reactivate it, you’re told to click on a link they provide. When you do, you’re asked to enter your account number and PIN. The link may also install malware to your phones.

It’s important that you never click on the links or call phone numbers listed in messages from unexpected or unfamiliar sources. The best protection against either vishing or smishing comes down to a simple strategy: Don’t respond.

If it’s a vishing scam, refuse to answer questions and hang up. If it’s a smishing attack, don’t do what the text message instructs you to do. If the scammer claims to be from Day Air Credit Union, call us immediately to let us know. Then block the number on your phone.

Remember, we will never ask you for your personal information over the phone or by e-mail. We already have this information. If you’re unsure if the message is legitimately from us, simply call us directly at 937-643-2160 to ask.

Checking Accounts

Premium Perks

Freedom Checking

CashBack Checking

Direct Deposit


Savings Accounts

Savings Accounts

Super Saver

Money Market





Debit Card

Low Rate Credit Card

Rewards Credit Card

CU Rewards

Card Controls


Mobile Deposit

Online Banking

Pay Someone


Compare Rates

Vehicle Loans

Auto Loans

Refinance Your Car

Motorcycle & Jet Ski Loans

Boat & RV Loans

Mortgage & Home Loans


Refinance Your House

Home Equity Loans

Construction Loans


Personal Loans


StretchPay Loans

Student Loans

Credit Cards


Apply for a Loan

Pay a Loan

Online Bill Pay

Chat With Us

Financial Planning



Estate Planning

401(k) Rollover

Retirement Planning

Day Air Insurance

Auto Insurance

Home Insurance

Identity Theft Protection

Life Insurance

More Products & Services


Financial Counseling

Credit Reports

Reorder Checks


Online Banking

Online Banking

Online Bill Pay

Login to Online Banking

Mobile Banking

Mobile Banking

Mobile Deposit

Pay Someone

Text Banking


Apply for a Loan

Pay a Loan


Mobile Pay

Chat With Us


Business Checking

Business Savings

Business Certificates


Business Debit Card

Business Credit Card


Commercial Loans

Term Loans

PPP Loans

Line of Credit


Business Bill Pay


Online Business Banking

Login to Business Banking

Login to PIB MLO

Business Banking App

Join Day Air

Why Choose Day Air

Membership Eligibility

Annual Member Savings

Compare Rates

Join Day Air


Community Involvement

Financial Education

Dayton VA Medical Center

Dayton Dragons

Contests & Sweepstakes


Press & News

Newsletters & Reports



Helpful Resources