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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:
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
Earn interest on your account balance while easily managing spending.
Learn More about Interest Checking Open an Account from our Checking Suite
Manage your money with no overdraft fees.
Learn More about SpendSafe Checking Open an Account from our Checking Suite
Free CheckingHas no monthly service fee, minimum opening deposit or minimum balance requirement | Interest CheckingEarns 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 - $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 | |
Free CheckingHas no monthly service fee, minimum opening deposit or minimum balance requirement | Interest CheckingEarns 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 |
You can use your Debit Card everywhere Visa is accepted, and the funds come directly from your Checking Account.
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:
1Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®. Must have a bank account in the U.S. to use Zelle®.
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.
©2024 Delta Community Credit Union.
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
