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Checking Accounts

Three Options Designed for Your Unique Financial Needs

We understand your personal checking account connects you to the things you do every day, from grabbing a morning cup of coffee to paying monthly bills. It also needs to keep up with the way you live. That’s why every Checking Account comes with free features such as:

Visa^® contactless Debit Card, which gives you a safe and secure way to make purchases in person, online or using a digital wallet
Mobile App and Online Banking so you can manage your account, make deposits and more—24/7, from wherever you are
Unlimited ATM transactions at our nationwide network of surcharge-free ATMs

Open an Account

Choose the account that’s the right fit for you.

Free Checking

Enjoy no monthly service fee, no minimum opening deposit and no balance requirement.

Learn More about Free Checking Open an Account from our Checking Suite

Interest Checking

Earn interest on your account balance while easily managing spending.

Learn More about Interest Checking Open an Account from our Checking Suite

SpendSafe Checking^®

Manage your money with no overdraft fees.

Learn More about SpendSafe Checking Open an Account from our Checking Suite

Routing Number

Where's our routing number when you need it?
Right here:

261071315

	Free Checking Has no monthly service fee, minimum opening deposit or minimum balance requirement	Interest Checking Earns interest on the account balance	SpendSafe Checking™ Has no overdraft fees
Earns Interest	—		—
Visa Debit Card
Online Banking
Mobile App
Mobile Deposit
Bill Pay
Zelle^{® 1}
Online Statements
Direct Deposit
Unlimited Check Writing			—
Unlimited Deposits
Overdraft Protection			Not available
Courtesy Pay			Not available
Courtesy Pay Plus			Not available
Link to Digital Wallet
Daily Transaction Limits	$2,500 per day POS Limit $2,500 per day PIN POS Limit $500 per day ATM Withdrawal Limit	$2,500 per day POS Limit $2,500 per day PIN POS Limit $500 per day ATM Withdrawal Limit	$2,500 per day POS Limit $2,500 per day PIN POS Limit $500 per day ATM Withdrawal Limit
Branch Visits and Calls to Member Care	Unlimited	Unlimited	Unlimited
Minimum Age (with Joint Owner)	13	13	13
Minimum Age (with no Joint Owner)	18	18	18
FEES
	Free Checking	Interest Checking	SpendSafe Checking™
Monthly Fee	$0
Courtesy Pay	$25 per item paid	$25 per item paid	Not available
Fee for Insufficient Funds	$15 per presentment	$15 per presentment	Not available
Overdraft Transfer	$5 from credit accounts and $3 from deposit accounts	$5 from credit accounts and $3 from deposit accounts	Not available
Out of Network ATM Fee	$2 on all	$2 on all	$2 on all
Wire Transfers	Domestic Wire - $25 International Wire - $50 Incoming Wire - $0	Domestic Wire - $25 International Wire - $50 Incoming Wire - $0	Domestic Wire - $25 International Wire - $50 Incoming Wire - $0
Official Checks	$10	$10	$10
Money Orders	$5	$5	$5
	Open a Free Checking AccountOpen a Free Checking Account	Open an Interest Checking Account	Open a SpendSafe Checking Account

Free Checking Has no monthly service fee, minimum opening deposit or minimum balance requirement	Interest Checking Earns interest on the account balance	SpendSafe Checking™ Has no overdraft fees
Earns Interest
—		—
Visa Debit Card

Online Banking

Mobile App

Mobile Deposit

Bill Pay

Zelle^{® 1}

Online Statements

Direct Deposit

Unlimited Check Writing
		—
Unlimited Deposits

Overdraft Protection
		Not available
Courtesy Pay
		Not available
Courtesy Pay Plus
		Not available
Link to Digital Wallet
		Not available
Daily Transaction Limits
$2,500 per day POS Limit $2,500 per day PIN POS Limit $500 per day ATM Withdrawal Limit	$2,500 per day POS Limit $2,500 per day PIN POS Limit $500 per day ATM Withdrawal Limit	$2,500 per day POS Limit $2,500 per day PIN POS Limit $500 per day ATM Withdrawal Limit
Branch Visits and Calls to Member Care
Unlimited	Unlimited	Unlimited
Minimum Age (with Joint Owner)
13	13	13
Minimum Age (with no Joint Owner)
18	18	18
FEES
Free Checking	Interest Checking	SpendSafe Checking™
Monthly Fee
$0
Courtesy Pay
$25 per item paid	$25 per item paid	Not available
Fee for Insufficient Funds
$15 per presentment	$15 per presentment	Not available
Overdraft Transfer
$5 from credit accounts and $3 from deposit accounts	$5 from credit accounts and $3 from deposit accounts	Not available
Out of Network ATM Fee
$2 on all	$2 on all	$2 on all
Wire Transfers
Domestic Wire - $20 International Wire - $40 Incoming Wire - $0	Domestic Wire - $20 International Wire - $40 Incoming Wire - $0	Domestic Wire - $20 International Wire - $40 Incoming Wire - $0
Official Checks
$5	$5	$5
Money Orders
$5	$5	$5
Open a Free Checking AccountOpen a Free Checking Account	Open an Interest Checking Account	Open a SpendSafe Checking Account

Our Checking Accounts make paying easy with
a Delta Community Visa^® Debit Card

You can use your Debit Card everywhere Visa is accepted, and the funds come directly from your Checking Account.

Use it in person, online or over the phone and to get cash at ATMs.
Monitor your purchase activity with our Mobile App, Online Banking and your monthly account statement.
Visa’s Zero Liability Policy² protects you from unauthorized purchases.

Manage your account anytime, anywhere with our free Mobile App and Online Banking

Delta Community’s Mobile App and Online Banking services let you manage your money on your time—no matter where you are. Here are just a few things you can do:

Check your account balance and get quick views of your most recent transactions
Transfer funds between your other Delta Community accounts or to accounts outside the Credit Union
Manage your spending and establish a budget across accounts from multiple financial institutions with our Money Management tool
Set up alerts and notifications
Make deposits using your smartphone’s camera with our Mobile App
Find out more

¹Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle^®. To send or receive money with Zelle^®, both parties must have an eligible checking or savings account.

²Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact Delta Community for more details.

Checking Accounts

Choose the account that’s the right fit for you.

Free Checking

Interest Checking

SpendSafe Checking®

Routing Number