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Investment, Savings, Security

Do You Know Basic ATM Safety?

July 26, 2023

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

June 28 2023

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

April 26 2023

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

March 31 2023

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

March 29 2023

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.

Credit, Investment, Savings, Security

Hang Up on Imposter Scams—Part 1

February 15 2023

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

Credit, Investment, Savings, Security

International Data Privacy Week is Coming…Are You Keeping All Your Personal Data Private?

January 11 2023

Our personal data is on websites, computers, cellphones and tablet computers; and it’s dynamic. Our personal information is constantly growing, shrinking and being shared with other people and with companies. Advertising agencies, your internet service provider, cellular service carrier and social media platforms—along with members of those platforms—are just some of the organizations and people that can see and share what you’re doing. For International Data Privacy Week, you might want to consider how to keep your personal information more secure and away from scammers and others who shouldn’t have it.

Credit, Savings, Security

Avoid Fake Check Scams—Have a Check Clear Before Sending Money

December 07 2022

Fake checks are big business for crooks, and their ability to convince victims that they are reliable people or businesses means that everyone should be careful when receiving a check from a stranger. But many people aren’t careful. According to the U.S. government’s Federal Trade Commission “Consumer Sentinel Network Data Book 2021”: “The median loss for all fraud reports in 2021 is $500. Among the top 10 frauds reported, the median individual losses were highest in these categories: Investment Related ($3,000) and Foreign Money Offers and Counterfeit Check Scams ($2,000)…”, while the report also showed that last year there were almost 70,000 reports of fraud resulting in approximately $130 million in losses from payment apps or services.

Credit, Investment, Savings, Security

It’s National Cybersecurity Month; Be Careful When Making Digital Payments

October 19 2022

Cybersecurity is important, since cybercrime’s effect on people’s lives can be very frightening and cost people money and their identity. According to the 2021 Internet Crime Report from the Federal Bureau of Investigation, “In 2021, America experienced an unprecedented increase in cyber attacks and malicious cyber activity.” Of the top five crimes in the report, identity theft ranked second and personal data breach ranked third. The Federal Trade Commission (FTC) highlighted in its 2021 Consumer Sentinel Network Data Book how most of last year’s consumer fraud money losses occurred: “Bank transfers and payments accounted for the highest aggregate losses reported in 2021 ($756 million).” Not all crimes are reported to government authorities, so the total amount of crimes committed and money lost is probably higher.

Budget, Retirement, Savings, Security

Protecting Aging Adults from Financial Abuse

October 05 2022

Being aware of an elder’s lifestyle is the first step in determining if they may be a victim of abuse. There may be many small and large symptoms of potential elder financial abuse, and it’s important to stay current on a family members’ (or friends’) behavior, their living environment, and, if you can, how their financial accounts are set up and their cash flow and bill paying activities.

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Blog

Do You Know Basic ATM Safety?

5 Actions to Protect Yourself Online

6 Quick Clues that You’re Being Scammed

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

Hang Up on Imposter Scams—Part 2

Hang Up on Imposter Scams—Part 1

International Data Privacy Week is Coming…Are You Keeping All Your Personal Data Private?

Avoid Fake Check Scams—Have a Check Clear Before Sending Money

It’s National Cybersecurity Month; Be Careful When Making Digital Payments

Protecting Aging Adults from Financial Abuse

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Warning About Third-Party Sites

Warning About Email

EHL

Equal Housing Lender

NCUA

National Credit Union Administration, a U.S. Government Agency