Frequently Asked Questions

Delta Community Online Banking is a secure digital platform that allows you to manage your accounts, transfer funds, pay bills, view statements, and conduct other banking transactions from your computer or mobile device. It provides 24/7 access to your accounts from anywhere with an internet connection.

To enroll in online banking, visit our website and click on the "Enroll" or "First Time User" link near the login area. You'll need your account number, Social Security number, and personal information to verify your identity. Follow the prompts to create your username, password, and security questions. Once completed, you'll have immediate access to your accounts.

Yes, Delta Community Online Banking is completely free for all members. There are no monthly fees or charges for using our online banking services, including bill pay, account transfers, and mobile check deposits.

With Delta Community Online Banking, you can:

• View account balances and transaction history
• Transfer funds between accounts
• Pay bills electronically
• Deposit checks using your mobile device
• Set up alerts for account activity
• Download statements and tax documents
• Apply for loans and credit cards
• Update contact information
• Send secure messages to customer service
• Set up recurring transfers
• Manage your debit and credit cards

Yes, both personal and business accounts can be accessed through Delta Community Online Banking. Business accounts have additional features designed specifically for business needs, including multiple user access with customizable permissions, ACH transfers, and wire transfers.

If you've forgotten your username, click on the "Forgot Username" link on the login page. You'll need to provide identifying information to recover it.

If you've forgotten your password, click on the "Forgot Password" link on the login page. You'll need your username and will be required to answer security questions or receive a verification code to reset your password.

If you're still having trouble, contact our Member Services at 1-800-544-3328 for assistance.

Delta Community Online Banking employs multiple layers of security to protect your accounts and personal information:

• 256-bit encryption for all data transmission
• Multi-factor authentication for login and sensitive transactions
• Automatic session timeout after periods of inactivity
• Continuous monitoring for suspicious activities
• Secure Access Codes for additional verification
• Biometric authentication options on mobile devices

We also regularly update our security measures to address emerging threats and protect against new types of attacks.

Multi-factor authentication (MFA) is a security process that requires you to provide two or more verification factors to access your account. This typically includes something you know (password) and something you have (such as a mobile device that receives a verification code).

MFA significantly enhances the security of your accounts because even if someone obtains your password, they still can't access your account without the second verification factor. Delta Community requires MFA when logging in from new devices, unusual locations, or when performing sensitive transactions to protect your accounts from unauthorized access.

Accounts are typically locked after multiple failed login attempts as a security measure. You have two options:

1. Wait for the automatic unlock period (usually 30 minutes) to expire, then try again with the correct credentials.
2. Call our Member Services at 1-800-544-3328 for immediate assistance in verifying your identity and unlocking your account.

We recommend changing your password every 90-180 days for optimal security. You should also change it immediately if you suspect your password has been compromised or if you receive any security alerts about unusual account activity.

To change your password, log in to online banking, go to Settings or Profile, select Security, and follow the prompts to create a new password.

The Delta Community mobile app is available for both iOS and Android devices:

• For iPhone/iPad: Visit the Apple App Store and search for "Delta Community Credit Union"
• For Android devices: Visit the Google Play Store and search for "Delta Community Credit Union"

Download and install the app, then log in using your existing online banking credentials. If you haven't enrolled in online banking yet, you can also do so through the app.

Yes, the Delta Community mobile app has the same high level of security as our online banking platform. The app uses encryption to protect data transmission, requires authentication for login, and offers additional security features like biometric authentication (fingerprint or facial recognition) on compatible devices. The app also includes security features like automatic logout after periods of inactivity.

To deposit a check using the Delta Community mobile app:

1. Log in to the mobile app
2. Select "Deposit Check" or "Mobile Deposit" from the menu
3. Choose the account where you want to deposit the check
4. Enter the check amount
5. Take a photo of the front and back of the endorsed check
6. Verify the information and submit the deposit

Remember to endorse the check with "For Mobile Deposit Only at Delta Community CU" and your signature. Keep the check in a secure place for 14 days after the deposit, then destroy it.

Yes, there are limits on mobile check deposits for security purposes. Typical limits include:

• Per-check limit: Up to $10,000
• Daily limit: Up to $10,000
• Rolling 30-day limit: Up to $25,000

These limits may vary based on your account history and relationship with Delta Community. For specific information about your account limits, please contact Member Services.

Yes, the Delta Community mobile app supports biometric authentication on compatible devices, including fingerprint recognition (Touch ID) and facial recognition (Face ID). To enable this feature:

1. Log in to the mobile app using your username and password
2. Go to the Settings or Profile section
3. Select "Security" or "Login Settings"
4. Enable biometric authentication (the specific option will depend on your device's capabilities)
5. Follow the prompts to complete the setup

Once enabled, you can log in using your fingerprint or facial recognition instead of entering your password each time.

To set up direct deposit, you'll need to provide your employer or payment source with your Delta Community account information. You can find this information by:

1. Logging in to online banking
2. Selecting the account you want to use for direct deposit
3. Looking for the routing number and account number

You can also download a direct deposit authorization form from our website or visit any branch for assistance. The routing number for Delta Community Credit Union is 261071438.

To transfer money between your Delta Community accounts:

1. Log in to online banking or the mobile app
2. Select "Transfer" or "Move Money"
3. Choose the source account (where the money is coming from)
4. Choose the destination account (where the money is going to)
5. Enter the amount to transfer
6. Select the date for the transfer (immediate or future date)
7. Review and confirm the transfer

You can also set up recurring transfers for regular payments or savings.

To use Bill Pay service:

1. Log in to online banking or the mobile app
2. Select "Bill Pay" from the menu
3. If it's your first time, accept the terms and conditions
4. Add payees by entering the name, address, and account number of the company or person you want to pay
5. Once payees are set up, select the payee, enter the payment amount and date
6. Review and submit your payment

You can schedule one-time payments or set up recurring payments for regular bills. Most payments are delivered electronically within 1-2 business days, though some may be sent as paper checks which take longer.

Yes, existing members can open additional accounts online through Delta Community Online Banking:

1. Log in to online banking
2. Select "Open an Account" or "Products" from the menu
3. Choose the type of account you want to open
4. Follow the prompts to complete the application
5. Fund your new account by transferring money from an existing account

New members can also open their first account online through our website by clicking on "Open an Account" and following the application process. Some account types may require additional documentation or an in-person visit.

To view your statements online:

1. Log in to online banking
2. Select "Statements" or "Documents" from the menu
3. Choose the account for which you want to view statements
4. Select the statement period you want to view
5. Click to download or view the statement

Statements are typically available in PDF format and can be saved to your computer or printed. We keep statements available online for up to 7 years.

Yes, you can apply for most loans online through Delta Community Online Banking:

1. Log in to online banking
2. Select "Loans" or "Apply for a Loan" from the menu
3. Choose the type of loan you're interested in
4. Complete the application form with the requested information
5. Submit your application and any required documentation

You can apply for personal loans, auto loans, credit cards, home equity loans, and in some cases, mortgages. The approval process varies by loan type, with some providing instant decisions while others may require additional review.

There are several ways to make loan payments:

• Online Banking: Transfer funds from your Delta Community checking or savings account to your loan.
• Automatic Payments: Set up recurring automatic payments from your account.
• Mobile App: Make payments through the Delta Community mobile app.
• In Branch: Visit any branch to make a payment in person.
• By Mail: Send a check to the address provided on your statement.
• By Phone: Call Member Services to make a payment using a debit card or bank account.

For most loans, you can also make extra principal payments to pay off your loan faster.

To check the status of a loan application:

1. Log in to online banking
2. Go to the "Applications" or "Loans" section
3. Select "Application Status" or "Pending Applications"
4. View the current status of your application

You may also receive status updates via email or text message if you opted to receive notifications. If you need more information, you can contact our Loan Department at 1-800-544-3328.

When applying for a loan, you'll typically need to provide:

• Personal information (name, address, phone number, email)
• Social Security number
• Employment information (employer name, contact information, length of employment, position)
• Income information (salary, other sources of income)
• Housing information (own/rent, monthly payment)
• For secured loans (auto, mortgage), information about the collateral

Depending on the loan type, you may also need to provide additional documentation such as pay stubs, tax returns, or information about the vehicle or property you're purchasing.

To access your credit card information online:

1. Log in to online banking
2. Select your credit card account from your accounts list
3. View your current balance, available credit, payment due date, and recent transactions
4. For detailed management, you can select additional options like "Card Details," "Rewards," or "Statements"

You can also manage credit card settings such as activating a new card, reporting a lost or stolen card, setting up alerts, and managing automatic payments.

Delta Community Online Banking supports the following browsers:

• Google Chrome (latest version)
• Mozilla Firefox (latest version)
• Microsoft Edge (latest version)
• Safari (latest version)

For the best experience and security, we recommend keeping your browser updated to the latest version. Some features may not work properly on older browser versions.

If you're experiencing issues with the website loading properly, try these troubleshooting steps:

1. Clear your browser's cache and cookies
2. Try using a different browser
3. Check your internet connection
4. Disable browser extensions or add-ons that might interfere with the site
5. Ensure your browser is updated to the latest version
6. Try accessing the site from a different device

If problems persist, contact our Technical Support team at 1-800-544-3328 for assistance.

Delta Community Online Banking requires cookies to be enabled for proper functionality. Here's how to enable cookies in common browsers:

Google Chrome:

1. Click the three dots in the top-right corner and select "Settings"
2. Click "Privacy and security" in the left menu
3. Click "Cookies and other site data"
4. Select "Allow all cookies" or "Block third-party cookies in Incognito"

Mozilla Firefox:

1. Click the three lines in the top-right corner and select "Options" or "Preferences"
2. Select "Privacy & Security" in the left menu
3. Under "Enhanced Tracking Protection," choose "Standard" or "Custom"
4. If using "Custom," ensure "Cookies" is set to allow cookies from websites

Microsoft Edge:

1. Click the three dots in the top-right corner and select "Settings"
2. Click "Cookies and site permissions" in the left menu
3. Click "Manage and delete cookies and site data"
4. Ensure "Allow sites to save and read cookie data" is turned on

Safari:

1. Click "Safari" in the menu bar and select "Preferences"
2. Click the "Privacy" tab
3. Under "Cookies and website data," select "Allow from websites I visit" or "Always allow"

If you're experiencing issues with the mobile app, try these troubleshooting steps:

1. Ensure your app is updated to the latest version
2. Close the app completely and restart it
3. Check your internet connection (try switching between Wi-Fi and cellular data)
4. Restart your device
5. Clear the app's cache in your device settings (if applicable)
6. If problems persist, try uninstalling and reinstalling the app

If these steps don't resolve the issue, contact our Mobile Banking Support team at 1-800-544-3328 for assistance.

Yes, you can view a list of devices that have been used to access your account:

1. Log in to online banking
2. Go to "Settings" or "Profile"
3. Select "Security" or "Login History"
4. View the list of devices and recent login activity

From this section, you can also remove trusted devices or review suspicious activity. If you notice any logins from devices you don't recognize, contact Member Services immediately.