Delta Community Credit Union: Hiring, Background Check & Employment Verification FAQs

Delta Community's About page says the credit union began on March 8, 1940, when eight Delta Air Lines employees founded the Delta Employees Credit Union as a not-for-profit cooperative to help their peers achieve financial success. The credit union says it shares its earnings with members instead of outside investors and describes itself as Georgia's largest credit union.

Wikipedia describes Delta Community as a state-chartered credit union, organized under the Georgia Department of Banking and Finance and federally insured by the National Credit Union Share Insurance Fund, with headquarters in Atlanta and branches in metro Atlanta and a few other states. Its own About page says that, like a bank, it is federally insured, and it lists free checking, online bill pay, loans, retirement planning, and mobile banking among its offerings.

The careers page highlights roles in its branches and its Member Care Center: member service agents who help members with accounts and loans, tellers who handle deposits, withdrawals, and check cashing, and member care agents who assist members by phone and secure email. It also features a wealth management team of CFP professionals, and the credit union runs student worker programs for high school apprentices, part-time tellers, part-time member care agents, and college interns.

Roles like these involve member funds, accounts, and personal financial data, which is why credit unions typically screen candidates before they start.

Company culture and employee programs: Delta Community calls itself one of Atlanta's best places to work and says working there is more than a job, it is a career. Its student worker programs, which it says began with a high school apprentice program in 2006, pair paid work experience with classroom studies. Benefits, pay, and schedules may vary by role and location, so candidates should confirm specifics during the hiring process.

Yes. Employers in the credit union and financial services industry, including Delta Community Credit Union, are legally permitted to run pre-employment background checks, provided they follow the Fair Credit Reporting Act (FCRA) and applicable federal, state, and local laws. The FCRA requires written disclosure and the candidate's authorization before a consumer report is obtained for employment purposes.

Delta Community Credit Union is generally reported to conduct background checks as part of its hiring process. That is consistent with credit unions and banks, where employees handle member funds, account data, and lending information. The scope of the Delta Community Credit Union background check may vary by role, with teller, member care, lending, and wealth management positions screened differently.

The Delta Community Credit Union hiring process typically starts with an online application through the credit union's careers site, where candidates find a position and apply. Qualified applicants are generally contacted for interviews with a hiring manager or team, and candidates who receive a conditional offer are usually asked to consent to a background check before they start. Student worker programs, including the high school apprentice program, have their own application steps.

Most background checks return within a few business days, though the timeline depends on the searches ordered and on the courts and agencies being queried. Checks that add credit history or records from several counties can take longer. Candidates who want more detail can review background check turnaround times.

The specific components of a background check are set by the employer. For a role at a credit union like Delta Community, a background check may include some or all of the following:

Candidates should review any disclosure and consent forms provided during the hiring process to understand which searches will be run for their role.

Delta Community Credit Union may require a drug test for certain roles, but its careers page does not publish a drug testing policy. Financial institutions vary: some screen all new hires, while others test only for certain positions or after a conditional offer. Requirements may vary by role and location, so candidates should read their offer paperwork and ask the hiring team what pre-employment testing, if any, applies.

The lookback period for a background check depends on the type of search and the laws of the state or country where the candidate lives or worked. In the United States, the FCRA generally limits consumer reporting agencies from reporting most negative information older than seven years, with certain exceptions for higher-salary positions and specific record types such as convictions. Some states have stricter limits. Candidates with records in multiple jurisdictions may see different lookback windows applied to different searches within the same report.

Delta Community does not publicly detail how it treats felony records, and decisions are typically made case by case. Federal law adds a rule specific to insured credit unions for certain offenses involving dishonesty or breach of trust, covered in a question further down this page. Many states and cities have also enacted "ban-the-box" laws that limit when employers can ask about criminal history, and candidates should answer application questions honestly.

Candidates applying to Delta Community will typically be asked for written consent before a background check begins, usually on a disclosure form. They should be ready to provide a full legal name, date of birth, Social Security number, and address history. Applicants for roles with access to member funds may also be asked about employment history and, where permitted, credit history, and accurate details help searches run in the right places.

The Fair Credit Reporting Act is a US federal law that governs how consumer reporting agencies collect, use, and share background check information. Under the FCRA, employers must obtain written consent before running a background check, provide a copy of the report and a summary of rights if they intend to take adverse action based on the results, and allow the candidate an opportunity to dispute inaccurate information before a final decision is made. For a detailed overview of how the FCRA applies to background checks, visit Fair Credit Reporting Act (FCRA).

In some cases, yes, because federal law restricts who may work at an insured credit union. Section 205(d) of the Federal Credit Union Act generally prohibits people convicted of, or in a pretrial diversion program for, an offense involving dishonesty or breach of trust from working at or taking part in the affairs of an insured credit union without the regulator's written consent. Delta Community says it is federally insured. The National Credit Union Administration may grant consent in some circumstances, and the 2022 Fair Hiring in Banking Act expanded opportunities for people with minor or older offenses. Not every conviction triggers the rule.

A credit check may be part of screening for some roles, though Delta Community does not publish which ones. Financial institutions sometimes review credit history for positions with access to member funds, lending, or payment systems. Under the FCRA, an employer must give a separate written disclosure and obtain the candidate's authorization before pulling a credit-based report for employment, and some states restrict the practice. Candidates can ask the hiring team whether credit history applies to the role.

Running a personal background check with Checkr lets you preview what Delta Community Credit Union may see and help you identify potential inaccuracies before they affect your job application. In one secure report you can review:

Create your report in minutes at Checkr Personal Background Checks. To showcase verified credentials proactively, build a free Checkr Profile you can share with recruiters, hiring managers, or potential employers.

Check your report status in the Candidate Portal. Or, visit the Checkr Help Center for FAQs, dispute steps, and to contact support.

The resources and information provided here are for educational and informational purposes only and do not constitute legal advice. Always consult your own counsel for up-to-date legal advice and guidance related to your practices, needs, and compliance with applicable laws.