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Investment, Savings, Security, Taxes

Please Update Your Delta Community Contact Details Now!

If any of your personal contact details that are used for your Delta Community accounts have changed, the Credit Union needs to have your current information as soon as possible. Reviewing and updating your personal contact information annually is the best way to have your accounts operating efficiently.

Savings, Security

Are You Missing Money in Your Account? Maybe Your Checks Were Stolen and Washed

Disappearing but cashed checks could mean you’re the victim of a veteran, but evergreen, type of fraud known as “check washing”. Check washing is when fraudsters first steal paper checks from personal (or even U.S. Postal Service office) mailboxes and then soak them in ink-removing chemicals to erase the information handwritten on the check, such as the payee name, dollar amount and date, creating blank spaces for the scammer to write in whatever new information they want.

Investment, Savings, Security

Did You Check Off Your Personal Cybersecurity Checklist?

This October is the 20th annual National Cybersecurity Awareness Month (NCSAM), a joint effort of the U.S. Cybersecurity and Infrastructure Security Agency (CISA) and the National Cyber Security Alliance (NCSA), and the event’s goal is to raise awareness about the importance of cybersecurity across the United States and help provide Americans with the resources they need to be safer and more secure online. Every year—and especially in October—Delta Community tries to inform its members and the general public of how they can be become more cybersecurity aware and protect themselves online.

Savings, Security

Only Make Digital Payments to People You Know and Trust

Digital payments can make life faster and easier. Whether someone is using Apple® Pay, Cash App, Google® Pay or Wallet, PayPal®, Venmo, or another of the numerous digital payment apps, platforms, networks, services and websites available in the U.S. and in other countries; paying and getting paid has never been simpler or quicker to accomplish. If something is easy to do—and it involves money—then it may also be relatively straightforward for a criminal to exploit the process and steal money from unsuspecting victims. Digital payments can be simple and fast, but they can also be untraceable and non-recoverable, making it difficult or impossible to either retrieve money sent to a crook or have the funds reimbursed by a financial company that unwittingly participated in the fraudulent transaction. If someone is making electronic payments, then they should be extra careful when transferring funds, and they should know and trust the person they are paying.

Investment, Savings, Security

Don't Let Your Computer Get Kidnapped by Ransomware

All it takes is to click on a malicious link, download an infected file, or accidentally end up on a compromised website to have a computer taken over. When a computer is compromised, a ransomware demand message will pop up in a web browser or over the entire computer screen. The computer has now been hijacked and may even be completely locked up and totally under the control of hacker’s ransomware. The false message could claim to be from the FBI or other government law enforcement agency. It will say that you need to pay a financial penalty for your computer to be unlocked and provide a link to make a payment.

Investment, Savings, Security

Do You Know Basic ATM Safety?

Using an ATM is usually a simple and safe activity—but not always. Money usually attracts thieves, robbers, hackers, fraudsters, and imposters; these sorts of criminals can be a legitimate threat during certain transactions, whether online or in the bricks-and-mortar world. Even sturdy ATMs and their users are not safe from being victimized by opportunistic crooks that are ready to quickly take your money when they encounter the right circumstances.

Credit, Investment, Savings, Security

5 Actions to Protect Yourself Online

It’s essential to always be mindful of your online safety, whether you are on a computer, tablet, or cellphone. Scammers, infected and fake websites, phishing emails, predatory text messages—these are just some of the internet and cellphone threats that are always lurking to take advantage of unwary victims. A mistaken website address, or an inadvertent click on a malicious link in an email or text, can lead to an infected device and hijacked accounts, including email and financial accounts.

Credit, Investment, Savings, Security

6 Quick Clues that You’re Being Scammed

Scamming is a business that never has an off season; it’s a year-round activity and anyone has an equal opportunity to be defrauded out of money or have their financial accounts illegally accessed and funds stolen. Scammers are experienced, polished and professional, they are quite good at what they do. How can you tell if you're being scammed?

Insurance, Investment, Savings, Security

How the U.S. Government Protects Your Credit Union Deposits

Delta Community sometimes receives inquiries from its members about its financial health and if members’ deposits are insured in some way. The deposits of Credit Union members are insured by the United States government through a program that some of our members may not be aware of, but it’s important to understand how the program operates and the protection it provides.

Credit, Investment, Savings, Security

Hang Up on Imposter Scams—Part 2

Imposter scams seem to never stop, and no one is immune to being victimized by them. But you can know more about imposter scams—such as what are some of the imposter scam variations, and actions you can take if you’re contacted by a fraudster posing as someone else.
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