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Personal Bank Account Protection Services Overview

No More Insufficient Funds

Every transaction can be a successful transaction.

We understand that you can’t plan and prepare for everything in life. It’s going to throw you some wrenches along the way. But one thing you can do is make sure you’re covered when the unexpected comes your way by enrolling in Delta Community's Personal Bank Account Protection tools.

How will Personal Account Protection Tools help me?

It will prevent your ATM and Visa® Check Card from being declined because of insufficient funds due to an emergency or unexpected situation. And it will also prevent your checks and Automatic Clearing House (ACH) payments from being returned when your account balance doesn’t meet the payment amount. As a Member, you can have qualified bank accounts linked to each other such as your Savings Account or Money Market Account to your Checking Account just in case you overspend during a transaction.

Always have funds in your bank account when you need it most.

Simply review our Bank Account Protection Tools; Overdraft Protection, Courtesy Pay, and Courtesy Pay Plus, and choose the service(s) that best fit your life.

 
  Overdraft Courtesy Pay Courtesy Pay Plus
Description of Account Protection Tools & Services Overdraft Protection is a free service that links qualified accounts such as Savings or Money Market. Unless otherwise indicated, your Checking Account is automatically linked to your Savings Account at the time of account opening. A Visa Credit Card or a loan product such as a Line of Credit can be used for Overdraft Protection; for a $2 fee and finance charges will accrue. Account protection service that covers check and Automated Clearing House (ACH) items such as electronic payments (i.e., mortgage) using your checking account number that would normally be returned when there are insufficient funds in the account.* Account protection service that covers Check Card and ATM Card purchases that would normally be declined at point-of-sale (POS) when there are insufficient funds in the account.*

You can find more answers and details about our service on the Account Protection Tools Frequently Asked Questions page and our Courtesy Pay Disclosure.

Have questions on getting your Personal Bank Account Protection Tools set up? Contact a Credit Union Member Care representative or come into any one of our local credit union locations to get started today!

*We pay overdrafts at our discretion under the Courtesy Pay and Courtesy Pay Plus services. This means we do not guarantee we will always authorize and pay any type of transaction when there is not enough money available in your checking or designated overdraft protection accounts to cover the item. For example, we may not pay overdrafts when you are in default on a loan with Delta Community Credit Union or your bank account is otherwise not in good standing. Fees up to $35 may be assessed for each transaction.

Repayment of the overdraft amount is required within 30 days to maintain eligibility for this service. If you have additional overdraft items during this time, the account still must be brought to a positive balance on or before the 30th day from the date of the initial overdraft item. Deposits received by Delta Community Credit Union during the 30 days will be applied first to your overdrawn checking account balance.


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