Delta Community, and all financial institutions, continue to see fraud attempts in which scammers impersonate financial institutions and other trusted organizations. Scammers may call, text or email claiming there is suspicious activity on your account, a problem with your debit card or an urgent issue requiring immediate action.
These scams are designed to create fear and urgency so you act before you have time to think. Scammers may make a call appear to come from a legitimate Delta Community phone number, and they may know personal details gathered from social media, public records or data breaches. Neither caller ID nor personal information is proof that a caller is legitimate.
PLEASE REMEMBER
Delta Community will never call, text or email you to ask for your Online Banking password, ATM or card PIN, telephone access (IVR) PIN or one-time security code.
5 Warning Signs of a Potential Scam:
- You Receive an Unexpected Call, Text or Email. Be cautious when someone unexpectedly contacts you about fraud on your account, a locked debit card, Online Banking access, a refund or prize or a family emergency. If you were not expecting communication, slow down and verify it through a channel you trust.
- You Are Pressured to Act Immediately. Scammers create panic. They may claim your account will be frozen, your money is at risk, law enforcement is involved or you must act right away. They may also tell you to keep the matter secret or stay on the phone. A legitimate organization will give you time to verify a request.
- Someone Asks for Sensitive Information . Delta Community will never ask for your Online Banking password, ATM or card PIN, telephone access PIN, one-time security code, multifactor authentication code or remote access to your device. Never provide these credentials to someone who contacts you, even if the caller knows personal information about you or appears to be calling from a legitimate Delta Community phone number.
- You Are Asked to Move Money or Approve a Transaction. Be suspicious if someone asks you to withdraw money, transfer money to a "safe account," buy gift cards, send a wire, use a payment app, deposit cash into a cryptocurrency ATM, complete a "test transaction" or approve a fraud alert for a transaction you did not make. Delta Community will never ask you to move money to protect it.
- A Message Can Look Legitimate and Still Be a Scam. Scammers can spoof phone numbers, create realistic emails and websites, send convincing text messages and use AI-generated voices. Caller ID alone should never be used to verify identity. If you are unsure, hang up and contact Delta Community directly using the number on the back of your card, the Mobile App, Online Banking or the Member Care Center.
Other Warning Signs to Watch For:
- Someone coaches you on what to say to a Teller or a Member Care Agent.
- Someone tells you to respond "Yes" to a fraud alert or approve a transaction you did not make.
- Someone sends a check for more than expected and asks you to return the difference before the check is confirmed as valid.
Delta Community Will Never:
- Ask for your password, PIN or one-time security code through unsolicited contact.
- Ask you to withdrawal cash or move money to a "safe account."
- Ask you to buy gift cards or deposit cash into a cryptocurrency ATM.
- Ask you to investigate an employee or complete a "test transaction."
- Ask for remote access to your device.
- Pressure you to act before you can verify the request.
What to Do if You Are Unsure:
- Stop the conversation.
- Do not click links, download software or provide information.
- Contact Delta Community directly using a trusted phone number or digital banking channel.
- Review your accounts for unfamiliar transactions or profile changes.
If you shared information, sent money or gave someone access to your device, contact Delta Community immediately at 800-544-3328. Change affected passwords, enable multifactor authentication and ask whether any payment can be stopped, recalled or reversed.
Remember: Stop. Verify. Report.
If someone pressures you to act immediately, asks for a security code, requests secrecy or directs you to move money in an unusual way, end the conversation and verify the request independently. Think you may have encountered a scam involving your Delta Community account? Contact the Member Care Center at 800-544-3328.
Additional Resources
