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Personal Checking Accounts

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, Online and Mobile Banking and automatic Overdraft Protection from your Savings. 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 a Personal Checking Account

Overview & Benefits

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!

  • Account Protection Tools to help you avoid bounced checks and prevent your daily purchases from being declined.
  • No monthly service or per-check fees.
  • 24-hour access to your funds with a Delta Community Visa Debit Card (some restrictions apply).
  • So many ATMs and merchant locations you can use for FREE. Check out our Credit Union locations page to find a Delta Community Credit Union branch, surcharge-free ATMs & deposit-taking ATMs near you.
  • Direct Deposit and Payroll Deduction options.
  • Reward Points earned each time you sign for your purchase when using your Visa Debit Card.

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.

Teen Checking Accounts

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 that earns rewards, 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.

Debit Card

Keep things moving with our Visa® Personal Debit Card

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:

  • Unlimited ATM transactions - Enjoy the freedom to make as many ATM transactions from your Checking Account as you want without ever being charged a fee by Delta Community. 
  • Reward Points - Your Debit Card can be used worldwide everywhere Visa is accepted. Earn 1 point for every $3 spent on eligible transactions. To earn points, simply sign to authorize the transaction instead of using your PIN. Enroll today to earn Reward Points.
  • Visa Checkout – Enroll your Debit Card and experience a fast and secure way to pay online wherever Visa Checkout is accepted. Once enrolled, you won’t need to re-enter your card and shipping details every time you buy online. Simply enter your email address and password, and you’re done.
  • Courtesy Pay Plus Account Protection Service - Enroll and have the confidence of knowing your Debit Card purchases are covered up to $500 should there ever be a shortage of funds in your account. Learn more about how Courtesy Pay Plus can help you.
  • Unlimited Point of Sale (POS) transactions - Use your Debit Card to make purchases at grocery stores or anywhere POS transactions are accepted.

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 0.03% 0.03%
Tier Rate:
$25,000.00 - and above
Rate:
0.03%
APY*:
0.03%

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.

Compare Rates

Compare Personal Checking Account Rates

Select the Minimum Balance to see how our rates compare.

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

*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 Savings Account $0.00
Fee Type:
Overdraft Transfer from Savings Account
Amount:
$0.00
Overdraft Transfer from Credit Accounts $3.00
Fee Type:
Overdraft Transfer from Credit 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 Check (trace # provided) $5.00 each
Fee Type:
Copy of Check (trace # provided)
Amount:
$5.00 each
Balancing Checking Statement $25.00/month
Fee Type:
Balancing Checking Statement
Amount:
$25.00/month
Overdraft Excessive Transfer From Share after 6 allowed per month, Regulation D $20.00 each
Fee Type:
Overdraft Excessive Transfer From Share
Amount:
$20.00 each
after 6 allowed per month, Regulation D
Check Printing (per box of 120 checks) per box of 120 checks fees vary
Fee Type:
Check Printing (per box of 120 checks)
Amount:
fees vary
per box of 120 checks
Local Returned Deposited or Cashed Item $15.00/item
Fee Type:
Local Returned Deposited or Cashed Item
Amount:
$15.00/item
Foreign Returned Deposited or Cashed Item (US and Canadian) $20.00/item
Fee Type:
Foreign Returned Deposited or Cashed Item (US and Canadian)
Amount:
$20.00/item
Foreign Returned Deposited or Cashed Item (Other Currency) $40.00/item
Fee Type:
Foreign Returned Deposited or Cashed Item (Other Currency)
Amount:
$40.00/item
Transaction History $3.00/request
Fee Type:
Transaction History
Amount:
$3.00/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 presentment
Fee Type:
Courtesy Pay Fee
Amount:
$35 per presentment
Debit Card/ATM International Service Assessment Visa transactions made in foreign countries (outside the U.S., Puerto Rico or the U.S. Virgin Islands) are posted in U.S. dollars, and are subject to an ISA fee of one percent (1%) of the transaction total. This fee will appear as a separate transaction on your account.
Fee Type:
Debit Card/ATM International Service Assessment
Visa transactions made in foreign countries (outside the U.S., Puerto Rico or the U.S. Virgin Islands) are posted in U.S. dollars, and are subject to an ISA fee of one percent (1%) of the transaction total. This fee will appear as a separate transaction on your account.