How You Can Help Protect Yourself

There are several simple things you can do to help protect your information:

• Enroll in Online Banking and Bill Pay. Consider signing up for Online Statements and eBills—they can’t be lost in the mail or stolen from your mailbox.
• Monitor your accounts frequently for unusual activity. Sign up for Delta Community’s free Alerts & Notifications service. Log in to Online Banking and select Alerts and Notifications from the Account Management tab.
• Keep your contact information with us current, including your mobile phone number and email address. In Online Banking, select the Account Management tab, or stop by any branch. If you have a joint cardholder on your account, remember to update their information as well.
• Change your passwords frequently and consider using a Password Manager. There are several free options, or you can pay for more advanced features.
• Take advantage of our Card Management tools in our Mobile App and Online Banking. This service allows you to set card alerts, lock and unlock cards, notify Delta Community of upcoming travel, and cancel a lost or stolen card.
• Keep a list of your card numbers and expiration dates, along with customer service phone numbers for each, in a safe place in your home. This will allow you to quickly report any loss.
• Check your credit report regularly. By federal law, you can obtain a free credit report from each of the three major credit reporting agencies every 12 months. Simply go online at AnnualCreditReport.com or call 877-322-8228.
• Consider a credit freeze or fraud alert on your credit. The Federal Trade Commission (FTC) provides a good overview on both.
• Carry only cards you need at any given time in case of theft or loss. That way, there are fewer companies to contact if you need to freeze your card.
• When using an ATM, cover the PIN pad with your hand when entering your PIN to help ward off “skimming” attacks. Also, consider using an ATM at a financial institution rather than in a high traffic or touristy area. Find a Delta Community location or one of thousands of surcharge-free ATMs available to you in the CO-OP ATM Network.
• Through our subsidiary, Members Insurance Advisors, LLC., you can sign up for Identity Theft Protection coverage.
• Avoid giving out your credit, debit or any bank account number over the phone unless you initiate the call.
• Keep your antivirus and other security software up to date.
• Don't send sensitive information or conduct banking activities on a public, unsecured Wi-Fi network.

Report a Lost or Stolen Card

You can report your Delta Community Visa Debit or Credit Card lost or stolen in several ways:

• Call Delta Community in the U.S. or Canada at 800-544-3328, 24 hours a day, 7 days a week.
• Log in to your account and select Card Management under the Additional Services menu in Online Banking or under More in our Mobile App. You can also submit a secure message.
• Visit any Delta Community branch.
• When travelling outside of the U.S. or Canada, you can call Visa collect at 410-581-9994. You can also view Visa’s overseas toll-free numbers.

Once reported, we’ll block your card and issue you a new one. If reported online or by phone, you’ll receive your new card within 10 business days. If reported in a Delta Community branch, you’ll get a new card immediately.

If you suspect that you have unauthorized charges to your account, contact us immediately at 800-544-3328.