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Knowledge Base Article

FAQs about Card Compromises and Data Breaches

What is a card compromise?

Card compromises, an unlawful use of credit or debit card information, have been on the increase in the last few years. Card compromises occur when a merchant or card processor’s database is accessed by unauthorized persons for criminal reasons. Once the information is retrieved, it can be used to create fraudulent accounts and sometimes involves identity theft.

Protecting our cardholders’ personal information is vital to our commitment to protect our members’ account information, and we take extra measures to ensure security of our systems. We have installed many internal layers of security, but when the problem originates elsewhere we still take proactive steps to minimize inconvenience and problems for our cardholders.

What is Delta Community's policy in the event of a card compromise?

When a card compromise associated with a data breach has been identified, Delta Community will receive notification from Visa. Based on the details of the card compromise, Delta Community may activate special fraud rules to monitor for fraudulent activity. We monitor the effectiveness of these rules and will reissue new cards as necessary. If a reissue is necessary, members will be notified. Members may also visit a branch location to receive a new card at their convenience.

Is my account information secure with Delta Community?

Protecting our cardholders’ personal information is vital to our commitment to protect our members’ account information, and we take extra measures to ensure security of our systems. We have installed many internal layers of security, but when the problem originates elsewhere we still take proactive steps to minimize inconvenience and problems for our cardholders.

What is Multi-Factor Authentication?

The MFA process is a layered security process for Online Banking. Beyond the account number and member selected password, the One-Time Passcode (OTP) registration process is prompted on all unfamiliar devices. In addition, log in from an unrecognized device for Online Banking transactions considered high-risk will be required to pass through the One-Time Passcode MFA process of identity verification prior to accessing the account.

Can members be assured Delta Community is protecting their information?

The credit and debit cards issued by the Credit Union are monitored for suspicious activity and can be blocked immediately when necessary.

It is also important to know that our Online Banking and Mobile Banking services are not only convenient, but very secure remote banking tools. Delta Community upholds our obligation to safeguard members’ account information from fraudulent activity on all levels.