Protecting our customers and your information is our top priority at Dwolla.

We encourage you to read more about Dwolla’s security practices here, but here are some basics:
  • Dwolla never transmits your financial information during a transaction. This limits the threat of identity theft.
  • We never sell your information.
  • Dwolla has a full-time team dedicated to risk assessment and fraud prevention.
  • Dwolla does not disclose any of your personal information to third parties without your explicit permission.
  • Dwolla’s website is regularly tested and certified by the McAfee® SECURE Security Scan, ensuring that no vulnerabilities exist.
  • Dwolla’s servers are encrypted with 128-bit encryption through Secure Sockets Layers (SSL) and/or Transport Layer Security (TLS). It all sits behind firewall and intrusion protection. We back up everything and we have (what we think is a pretty impressive) disaster recovery system in place, just in case.
  • For added security, anytime you send, deposit, withdraw money or make any major change to your account we require you to enter your unique four-digit PIN.
  • Dwolla provides additional security to log into your account with two-factor authentication. Two-factor authentication is a secure login process requiring you to provide two types of identification (login credentials and your mobile device).

How is my information protected?
Dwolla systems have been configured to ensure a secure communication between your internet-connected devices and our servers are encrypted with 128-bit encryption through Secure Sockets Layers (SSL) and/or Transport Layer Security (TLS). We encrypt all sensitive information that exists on our servers, never expose financial information during a transaction and your personal financial information is never stored on your computer, phone or tablet. 

Will you sell my information?
Never. See our Privacy Policy for more information.

Where can I find more information?
FinCen: An agency tasked with enhancing the integrity of financial systems by facilitating the detection and deterrence of financial crime.
NACHA: The governing body that sets rules and procedure for ACH (description of site)
Title 31: Money and Finance: Treasury: Laws and statutes, as stipulated by the U.S. Treasury Department, that govern the U.S. financial system.

Why does Dwolla ask for my SSN, DOB and EIN?

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Financial institutions play an important role in the Dwolla network.

Dwolla, Inc. is an agent of Veridian Credit Union and Compass Bank and all funds associated with your account in the Dwolla network are held in pooled accounts at Veridian Credit Union and Compass Bank. These funds are not eligible for individual insurance, including FDIC insurance and may not be eligible for share insurance by the National Credit Union Share Insurance Fund. Dwolla, Inc. is the operator of a software platform that communicates user instructions for funds transfers to Veridian Credit Union and Compass Bank.