Checking Accounts

Rates

Personal Checking Account Rates

Delta Community Credit Union’s Savings Accounts dividend rates.

Tier Rate	Rate	APY*
$0.01 - $4,999.99	0.00%	0.00%	Tier Rate: $0.01 - $4,999.99 Rate: 0.00% APY*: 0.00%
$5,000.00 - $24,999.99	0.01%	0.01%	Tier Rate: $5,000.00 - $24,999.99 Rate: 0.01% APY*: 0.01%
$25,000.00 - and above	0.02%	0.02%	Tier Rate: $25,000.00 - and above Rate: 0.02% APY*: 0.02%

View Current IRA/Savings/Checking Disclosure Supplement

Minimum Opening Deposit: None
Minimum Balance to Earn Dividends: $5,000.00
^*APY = Annual Percentage Yield. Rates subject to change.

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Compare Personal Checking Account Rates

Select the Minimum Balance to see how our rates compare.

Company	Product Name	APY*
Delta Community	Checking Account	0.00%	Company Delta Community Product Name Checking Account APY* 0.00%

Company	Product Name	APY*
Bank of America	Advantage Relationship Banking	0.01%	Company Bank of America Product Name Advantage Relationship Banking APY* 0.01%

Company	Product Name	APY*
Chase Bank	Premier Plus	0.01%	Company Chase Bank Product Name Premier Plus APY* 0.01%
Regions	Lifegreen Preferred Checking	0.01%	Company Regions Product Name Lifegreen Preferred Checking APY* 0.01%

Company	Product Name	APY*
Delta Community	Checking Account	0.01%	Company Delta Community Product Name Checking Account APY* 0.01%
Chase Bank	Premier Plus	0.01%	Company Chase Bank Product Name Premier Plus APY* 0.01%

Company	Product Name	APY*
Chase Bank	Premier Plus	0.01%	Company Chase Bank Product Name Premier Plus APY* 0.01%

Company	Product Name	APY*
Delta Community	Checking Account	0.02%	Company Delta Community Product Name Checking Account APY* 0.02%
Chase Bank	Premier Plus	0.01%	Company Chase Bank Product Name Premier Plus APY* 0.01%
Regions	Lifegreen Preferred Checking	0.01%	Company Regions Product Name Lifegreen Preferred Checking APY* 0.01%

Company	Product Name	APY*
Bank of America	Advantage Relationship Banking	0.02%	Company Bank of America Product Name Advantage Relationship Banking APY* 0.02%

Company	Product Name	APY*
Bank of America	Advantage Relationship Banking	0.02%	Company Bank of America Product Name Advantage Relationship Banking APY* 0.02%

*APY = Annual Percentage Yield. APYs are accurate as of the first day of the current month and are subject to change. Consult the financial institution directly for full product terms and current rates. Rates provided by MyBankTracker.com.

Fees

Personal Checking Account Fees

With Delta Community Credit Union’s Personal Checking Accounts there are no monthly fees.

Fee Type	Amount
Monthly Fee	$0.00	Fee Type: Monthly Fee Amount: $0.00
Per Check Charge	$0.00	Fee Type: Per Check Charge Amount: $0.00
Overdraft Transfer from Credit Accounts	$5.00	Fee Type: Overdraft Transfer from Credit Accounts Amount: $5.00
Overdraft Transfer from Deposit Accounts	$3.00	Fee Type: Overdraft Transfer from Deposit Accounts Amount: $3.00
Stop Payment Fee	$25.00	Fee Type: Stop Payment Fee Amount: $25.00
Non-Sufficient Funds (NSF) Fee (includes ACH overdraft) You may be charged an NSF fee each time a check or ACH is presented to us, even if it was previously submitted and rejected.	$35 per presentment	Fee Type: Non-Sufficient Funds (NSF) Fee (includes ACH overdraft) Amount: $35 per presentment You may be charged an NSF fee each time a check or ACH is presented to us, even if it was previously submitted and rejected.
Copy of Paid Check (trace # provided)	$5.00 each	Fee Type: Copy of Paid Check (trace # provided) Amount: $5.00 each
Balancing Checking Account	$25.00/month	Fee Type: Balancing Checking Account Amount: $25.00/month
Check Printing (per box of 120 checks)	fees vary	Fee Type: Check Printing (per box of 120 checks) Amount: fees vary
Transaction History	$5.00/request	Fee Type: Transaction History Amount: $5.00/request
Account Research	$25.00/hour, $.30 per copy	Fee Type: Account Research Amount: $25.00/hour, $.30 per copy
Courtesy Pay Fee	$35 per item paid	Fee Type: Courtesy Pay Fee Amount: $35 per item paid
Foreign Card Fee The Foreign Card Fee is assessed for any card transaction in a foreign currency or completed outside of the U.S., including internet transactions initiated in the U.S. with a merchant who processes the transaction in a foreign country.	1% of foreign transaction	Fee Type: Foreign Card Fee Amount: 1% of foreign transaction The Foreign Card Fee is assessed for any card transaction in a foreign currency or completed outside of the U.S., including internet transactions initiated in the U.S. with a merchant who processes the transaction in a foreign country.

If you did not list those checks on the Close Account form, then the checks will be returned as 'Lost/Stolen' or 'Closed Account' and a letter will be sent to you. If this is the case, you will need to contact the merchant. If a check is presented in person to be cashed, you may receive a phone call for verification and if the situation warrants, the local police will be called.

I have companies that automatically debit my account. Will those items be paid?

As with the outstanding checks, you will list any recurring or automatic debits on the form and we will know to allow these items to clear. As soon as you receive your new checking account number you will need to contact the company to give them your new information.

I have my paycheck deposited to this account. Do I need to advise my employer of my new checking account number?

Yes. Direct deposits will continue to be posted to your account but you still need to advise your employer of the change. We will give you ample time to notify your employer/originator of your new account number.

Will I be contacted if anyone tries to access my account information?

If someone tries to get information without proper verification, no information would be given. If the call center staff is uncomfortable or suspicious of a call, the Loss Prevention staff is notified.

Can I continue to use my check/debit card during the process? Will I be receiving a new card and PIN?

Yes, you can continue to use the same check/debit card for your checking account. No, generally you will not receive a new card and PIN. If there is no card fraud then there is no need to reissue a card or PIN for your new checking account. If you suspect someone has gotten access to your card information, please notify us immediately as we will need to take additional steps.

I have received last months statement but will I be able to recall my account history for the last 15 days or so?

You will have access to your past statements; your recent and new transactions will be available under the new checking account.

If you are not enrolled in online banking or do not have online banking access, from the front page of the website under the Online Banking Username and Password click either “New Enrollment” or if you have logged in in the past and need assistance logging in click on “Forgotten Username or Password”.

How can a college student obtain a Checking Account and Visa Debit Card?

If the college student is already a member of the Delta Community Credit Union, to apply for a Checking Account and Visa Debit Card, simply complete a Checking Account application. The member must be at least 16 years old to have a Checking Account. An adult joint owner is required until the member reaches age 18.

The Delta Community Visa Debit Card gives you the protection of Visa and easy access to your funds at thousands of ATM’s throughout the country. Credit Union and ATM locations convenient to you.

If the college student is not an existing member, Membership can be applied for online.

How can I request a check withdrawal from my Savings or Checking Account?

There are several ways to request a check withdrawal from your account.

Visit a Delta Community Credit Union branch
Fax request to Attn: Operations Support Advisors 404-677-4598.
Send an online message from within Online Banking using Contact Us located under Additional Services.

Please include the following information in your request:

The amount of the check
The specific account to withdraw from
Who to make the check payable to
The address to where the funds should be sent
Acknowledgement of the fee(s)
Signature authorization, if submitting by fax

Access the Fee List to view the Official check fee.

Apply Now

Open a Free Checking Account Now

Apply now using our easy online application, and start enjoying all the great benefits of a Delta Community Personal Checking Account.

Personal Checking Accounts

Overview & Benefits

Teen Checking Accounts

Debit Card

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Routing Number

Rates

Personal Checking Account Rates

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Compare Personal Checking Account Rates

Fees

Personal Checking Account Fees

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Open a Free Checking Account Now

Personal Checking Accounts

Overview & Benefits

Teen Checking Accounts

Debit Card

Keep things moving with our Visa® Personal Debit Card

Routing Number

Personal Deposit Products and Services

Rates

Personal Checking Account Rates

Compare Rates

Compare Personal Checking Account Rates

Fees

Personal Checking Account Fees

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EHL

Equal Housing Lender

NCUA

National Credit Union Administration, a U.S. Government Agency

Keep things moving with our Visa^® Personal Debit Card