Fraud Alert

Del-One is committed to the privacy and security of your personal information


Reports are being shared with credit unions that Zelle and other similar application users have been experiencing fraudulent texts and calls. Here is more information on this scam and how you can protect yourself.

Here is how the scam works:

  • Fraudsters send text alerts that appear to come from the credit union – warning members of suspicious debit card transactions.
  • Fraudsters call when you respond to the text, often spoofing the credit union’s phone number and claiming to be from the credit union’s fraud department.
  • To verify your identity, the fraudster asks for your online banking username and tells you that you will receive a passcode via text or email and then you need to provide it to the fraudster. It is actually the fraudster initiating a transaction that will send the verification to you.
  • Providing the code to the fraudster will allow them to login to the account using a device not recognized by the host system.
  • Once they are logged in, the fraudster will change online banking passwords and use Zelle to transfer funds to others.


Even with the more sophisticated ways of authentication that Zelle provides, the fraudsters have a work-around.  They keep you on the phone even after getting your passcode and have you wait for the additional message, telling you that you need to reply “Yes” to the message to reverse the fraudulent transaction.

Note that fraudsters prefer to target Zelle due to the speed in which the transfers are made (minutes versus hours or days); however, the fraudsters have targeted other vendor P2P products offered by credit unions.

What you need to do to protect yourself:

  • Be wary of texts or calls regarding Zelle coming from any financial institution.
  • Never provide personal information in response to a text message or a call placed to you from a financial institution.
  • Make sure that any call you make to a financial institution is using a reliable and published phone number.
  • If you suspect fraudulent texts or calls from Del-One FCU, please report them immediately by calling (302) 739-4496 to speak to a Contact Center Representative.
Del-One representatives would never ask you for personal or account information such as PIN numbers.
Please do not give your personal or account information!

We need your help to make certain your personal information and account information is always protected. Therefore, it is important to note the following:

  • Del-One will never call you to request information you received via text (SMS)
  • Don’t provide your account number or personal information by email or text
  • Don’t provide your user name to anyone
  • Don’t trust caller ID.  Caller ID may be spoofed to show it is from Del-One, when it is not
  • Don’t provide answers to security questions you have set on your account
  • Don’t feel pressured to provide information immediately in response to requests via text, email or phone.  Call Del-One at (302) 739-4496 to confirm the request is legitimate
  • Don’t give information over the phone if you receive a call stating that a transaction is canceled, even if the caller claims to be from Del-One.  Once again, contact Del-One to inquire about the transaction
  • Don’t click on links in unsolicited emails or texts
  • Don’t give an unsolicited caller remote access to your computer
  • Updated 10/28/20:  According to Sgt. Amanda Morris of the Delaware State Police, a new scam is underway involving fraudsters telling elderly individuals their grandchildren need money to get out of jail.  The caller threatens the victim not to mention the circumstances at the financial institution due to a ‘gag order that has been issued’. A ‘courier’ then responds directly to the victim’s residence to pick up the funds.

Del-One takes our responsibility to protect your personal information very seriously. Please do not hesitate to contact us with any concerns. (302) 739-4496

As always, we appreciate your business and thank you for being a member.

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