We built our platform with security in mind.

  • Our platform puts you in control of your information and is private by default.
  • Transactions do not pass sensitive financial information to recipients, removing significant information security risk.
  • We utilize tokenization that replaces high-value data in a financial transaction with a time-based, tokenized message.

We partner with industry leaders.

  • Our platform is built on top of a world-class cloud environment. Our cloud provider offers a highly secure environment with a security team that functions as an extension of ours.
  • Our web traffic is routed through an intelligent network to enhance performance and limit attacks.
  • Our platform and systems are monitored and undergo routine penetration and intrusion testing to protect our community.

We take precautions to protect your data.

  • When you register or log in to Dwolla, we confirm your browser is running TLS 1.0 or higher, which secures the communication from your browser to Dwolla.
  • Your data resides on servers that are protected both physically and electronically.
  • Our servers are encrypted with 128-bit or greater encryption controlled by Transport Layer Security (TLS), and sit behind firewall and intrusion protection.

We help protect your identity online.

  • We require unique user IDs and passwords that are required to be a minimum of eight characters and pass a complexity validation check.
  • You are required to enter a personal four digit PIN every time you move money or make any major change to your account.
  • We offer two-factor authentication, an optional feature that helps safeguard your account at login.

We are never done.

  • Our security professionals bring a broad range of combined experience in the field and work hard to continually enhance our information security.
  • We recommend you take steps as well. For example, we recommend that you don’t share your account credentials with anyone or send sensitive information like bank account numbers or social security numbers via email.
  • If you have questions or concerns regarding security at Dwolla, please contact

See why businesses, financial institutions, and organizations of all sizes trust Dwolla.

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Financial institutions play an important role in the Dwolla network.

Dwolla, Inc. is an agent of Veridian Credit Union and all funds associated with your account in the Dwolla network are held in a pooled account at Veridian Credit Union. These funds are not eligible for individual 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.