What types of overdraft protection are available for my Checking Account?
When your account is first opened, your Primary Savings Account is set up as overdraft protection for your Checking Account. You may also use your Additional Savings, Money Market Accounts, a Personal Line of Credit and/or your Delta Community Visa® Credit Card as overdraft protection for your Checking Account. (Home Equity Lines of Credit cannot be used for overdraft protection.) Per credit union guidelines, your open Delta Community Visa Credit Card account is automatically assigned as overdraft protection for your Checking Account unless you opt out. Please see our Checking Account Disclosure Supplement for further information regarding overdraft protection fees.
You can apply online through your Online Banking for any of these loans or by calling 800-544-3328.
(Overdraft protection cannot be established for your Savings or Money Market Account withdrawals).
How the Visa credit card acts as overdraft protection for the Checking Account:
Funds will transfer from your Visa to cover NSF Checking Account transactions as long as the amount is within the available cash advance on the Visa loan at that time. (A transfer from Visa is considered a cash advance and it is subject to daily interest and the transfer fee.)
- Effective 9/21/21: Cash advance availability is up to 50% of the credit limit.
How many overdraft transfers am I allowed each month from my deposit or loan account?
You are allowed an unlimited number of transfers from your deposit and loan accounts. Please see our checking account disclosure for further information regarding overdraft protection fees.
Is there a fee to have or use overdraft protection for my Checking Account?
Overdraft transfer instances are subject to fees. Please see our Checking Account Disclosure Supplement for further information regarding overdraft protection fees.
If a line of credit is utilized for overdraft protection, you may also incur finance charges.
How do I change the overdraft protection order on my Checking Account?
To add, delete or change the order of the overdraft protection, complete one of the following:
- Send us a request from Online Banking using Contact Us located under Additional Services
- Mail or Fax a signed request or Overdraft Protection Update form to:
- Delta Community Credit Union
Attn: Deposit Services
PO Box 20541
Atlanta, GA 30320-2541
- Visit a Delta Community Credit Union branch location