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!

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Personal Checking Accounts Overview

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.

 

Routing Number

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

261071315

Other Personal Deposit Products and Services

Get quick details on our Personal Savings Accounts, Personal Money Market Accounts, Personal Certificates of Deposit and much more.

Learn More About Personal Checking Accounts


  • 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.
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  • Rates

    Personal Checking Account 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 0.03% 0.03%
    Tier Rate:
    $5,000.00 - $24,999.99
    Rate:
    0.03%
    APY*:
    0.03%
    $25,000.00 - and above 0.05% 0.05%
    Tier Rate:
    $25,000.00 - and above
    Rate:
    0.05%
    APY*:
    0.05%

    View Current IRA/Savings/Checking Disclosure Supplement

    Minimum Opening Deposit/Minimum Balance: None
    Minimum Balance to Earn Dividends: $5,000.00
    *APY = Annual Percentage Yield. Rates subject to change.

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  • 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.

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  • Fees

    Personal Checking Account 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 Protection from Savings Account $0.00
    Fee Type:
    Overdraft Protection from Savings Account
    Amount:
    $0.00
    Overdraft Protection from Credit Accounts $2.00
    Fee Type:
    Overdraft Protection from Credit Accounts
    Amount:
    $2.00
    Stop Payment Fee $25.00
    Fee Type:
    Stop Payment Fee
    Amount:
    $25.00
    Non-Sufficient Funds (NSF) Fee (per calendar year - includes ACH overdraft)** $25.00 1st item
    Fee Type:
    Non-Sufficient Funds (NSF) Fee (per calendar year - includes ACH overdraft)**
    Amount:
    $25.00 1st item
    2nd & 3rd item returned $30.00 per item
    Fee Type:
    2nd & 3rd item returned
    Amount:
    $30.00 per item
    4th or more item returned $35.00 per item
    Fee Type:
    4th or more item returned
    Amount:
    $35.00 per item
    Copy of Check (trace # provided) $1.50 each
    Fee Type:
    Copy of Check (trace # provided)
    Amount:
    $1.50 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 $12.00/item
    Fee Type:
    Local Returned Deposited or Cashed Item
    Amount:
    $12.00/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 $1.50/request
    Fee Type:
    Transaction History
    Amount:
    $1.50/request
    Account Research $25.00/hour $.30 per copy
    Fee Type:
    Account Research
    Amount:
    $25.00/hour $.30 per copy
    Courtesy Pay Fee $25.00 1st item
    Fee Type:
    Courtesy Pay Fee
    Amount:
    $25.00 1st item
    2nd & 3rd item $30.00 per item
    Fee Type:
    2nd & 3rd item
    Amount:
    $30.00 per item
    4th or more item $35.00 per item
    Fee Type:
    4th or more item
    Amount:
    $35.00 per item
    CheckCard/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:
    CheckCard/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.

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  • Apply Now

    Apply for a Personal Checking Account Now - It's Easy

    So, are you ready to open a Delta Community Personal Checking Account?

    If you're currently a member, log in to your Online Banking account, go to the Additional Services tab and select Add an Account.

    If you’re not yet a member, open an account to become one today!

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