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Please be advised we will perform system maintenance Sunday, November 24, 2024 from 6:00 a.m. to 11:00 a.m. ET. Access to Online and Mobile Banking may be intermittently unavailable during this time. We apologize for any inconvenience.

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Credit, Savings, Security

When Mailing a Paper Check Might Be a Better Choice Than a Person-to-Person Payment

Millions of Americans use person-to-person (P2P) electronic payment services such as Venmo every day, often on their mobile phones. These digital payment services are popular, fast and easy, but sometimes, in certain situations, you may not want to use them. If these payments are so convenient and efficient, then why not use them all the time?

Budget, Credit, Education, Savings

How to Start Talking to Young Kids About Money

Most people gain a basic understanding of money when they are young, usually from a parent or maybe a teacher. And now, it might be time for you to bestow some money wisdom on your child or student. But when should you start talking to kids about money? And how do you begin what is likely to be an ongoing conversation on finances throughout their lives?

Credit, Savings, Security

10 Personal Cybersecurity Essentials for Cybersecurity Month

To support National Cybersecurity Awareness Month and provide helpful information to both Delta Community members and the public, following are 10 helpful tips—along with a few bonus tips—to help manage online security.

Budget, Investment, Real Estate

Your Short Fall Home Maintenance Checklist

While a list of home maintenance tasks could get pretty lengthy, this post is keeping them limited to a few essential core chores that can be done either by one person or with the help of experienced professionals; their knowledge and advice could add significant value to keeping a home in good shape to avoid winter damage and repair expenses.

Credit, Investment, Savings, Security

Help Prevent Identity Theft: Place a Fraud Alert, Credit Freeze or Block on Your Credit Reports—Part 2

There are several ways to help guard against identity theft and lessen its effects if you think it may be about to occur or has already occurred. First, it could be very helpful to monitor your financial accounts regularly, ideally daily, monthly and annually. If you have worries that you soon will be—or are—a victim of fraud and identity theft, then have fraud alerts and credit freezes put on your credit reports.

Credit, Investment, Savings, Security

Help Prevent Identity Theft: Place a Fraud Alert, Credit Freeze or Block on Your Credit Reports—Part 1

There are several ways to help guard against identity theft and lessen its effects if you think it may be about to occur or has already occurred. First, it could be very helpful to monitor your financial accounts regularly, ideally daily, monthly and annually. If you have worries that you soon will be—or are—a victim of fraud and identity theft, then have fraud alerts and credit freezes put on your credit reports.

Budget, Investment, Retirement, Savings

Why Some Deposits Are Delayed on Weekends and Federal Holidays

The short answer as to why we cannot make some payments available for use on a weekend or holiday is because the money settlement date selected by the sending party (employer, pension fund, or other company or organization) occurs on a day when the United States Federal Reserve Bank is closed.

Credit, Investment, Savings, Security

Don’t Be Quished—Be Careful of QR Code Scams

Quishing is another version of phishing. Phishing is when scammers use fake emails, social media posts, or text messages to lure their intended victims to click on a bad link to go to a bogus website, download a malicious file attachment to their computer or mobile phone, or call a number to connect to a crook. If you click on a phishing link or file, input information into a fake website, or talk to someone you shouldn’t, you may get defrauded and give up control of your device, personal information, identity, financial and social media accounts and money to cybercriminals.

Budget, Credit, Investment, Savings

Did You Schedule a Mid-year Money Checkup?

How is your money doing? Is your money doing what it should so far this year? The possibly unwelcome news is that the year is half over and you may be behind on your annual financial goals. But the great news is that there are still several months to review where you are and make course corrections to progress on achieving your goals. The midpoint of the year is a good time to look at where your finances are relative to goals and budget and decide whether it’s also time to make a few needed changes with your money before year-end, including modifying how you use your resources and where they are located.

Credit, Insurance, Investment, Savings

How to Correct Errors on Your Credit Report—Part 2

Each of the three major national credit reporting bureaus in the United States—Equifax®, Experian™, and TransUnion LLC—separately and continuously collect your personal financial history to compile your credit report, which is used to determine your credit score. Just like people, companies can inadvertently make mistakes, and sometimes these mistakes can be serious, with harmful consequences. An error in a credit report can damage a credit score and cause problems lasting for years if the mistake isn’t corrected completely.
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