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Free Checking Accounts Without the Hassle
Even though people rarely write checks anymore, you still need a personal checking account. You just need one that’s evolved with the times. And ours certainly has. It has all the features you’re looking for like Visa® Debit Cards and Online and Mobile Banking. And get this: they’re absolutely free. No gimmicks and no hidden surprises like requiring a minimum balance. Just free, like free was meant to be. Running out of personal checks? Check out our custom check options!
Learn More about Personal Checking Accounts Apply Now for Personal Checking Accounts
You’ll see that Delta Community’s Personal Checking Account doesn’t just take money into consideration. It takes life into consideration, too. And we’ve given it the features to reflect it!
Current Members: Want to get a Delta Community Visa Debit Card? Simply log in to your Online Banking account, go to the Additional Services tab and under Account Support, select Card Management.
Delta Community’s free Personal Checking Account gives teens more ways to manage their money and is a great student checking option for those preparing for life after high school. From 24-hour account access with our Online and Mobile Banking to a convenient and free Visa Debit Card, it’s a smart choice for teens ready to take the next step with their finances. Available to members who are 16 and 17 years old with an adult Joint Owner.
What a check used to mean to a checking account is what a debit card means today. It’s the hub through which most transactions take place. With Delta Community’s Visa Debit Cards, you’ll have instant access to cash from your Savings or Checking Account and the ability to transfer funds between accounts and obtain your account balance information anytime and anywhere. Whether you’re on vacation, out of town on business or just around the corner, you’ll get secure and easy access to your funds at thousands of ATM and merchant Point of Sale (POS) locations internationally.
And, our Delta Community Visa Debit Card comes loaded with great benefits like:
Delta Community Credit Union’s Savings Accounts dividend rates.
Tier Rate | Rate | APY* | |
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$0.01 - $4,999.99 | 0.00% | 0.00% |
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$5,000.00 - $24,999.99 | 0.01% | 0.01% |
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$25,000.00 - and above | 0.02% | 0.02% |
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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.
Select the Minimum Balance to see how our rates compare.
Company | Product Name | APY* | |
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Delta Community | Checking Account | 0.00% |
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*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.
With Delta Community Credit Union’s Personal Checking Accounts there are no monthly fees.
Fee Type | Amount | |
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Monthly Fee | $0.00 |
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Per Check Charge | $0.00 |
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Overdraft Transfer from Credit Accounts | $5.00 |
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Overdraft Transfer from Deposit Accounts | $3.00 |
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Stop Payment Fee | $25.00 |
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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 |
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Copy of Paid Check (trace # provided) | $5.00 each |
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Balancing Checking Account | $25.00/month |
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Check Printing (per box of 120 checks) | fees vary |
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Transaction History | $5.00/request |
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Account Research | $25.00/hour, $.30 per copy |
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Courtesy Pay Fee | $35 per item paid |
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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 |
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Apply now using our easy online application, and start enjoying all the great benefits of a Delta Community Personal Checking Account.