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  Delta Community Credit Union Personal Checking Account

Delta Community Credit Union Personal Checking Account

in Checking Accounts from Delta Community Credit Union

Unaffiliated

Delta Community Credit Union Personal Checking Account

Unaffiliated

in Checking Accounts from Delta Community Credit Union

Net Recommendation Score -50%

SUPERMONEY NET RECOMMENDATION SCORE

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Highlights
Highlights
Community Rating

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Monthly Fee $0
ATM Fee: Out-of-Network $0
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0% - 0.03%

Delta Community Credit Union Personal Checking Account Review

Delta Community Credit Union Personal Checking Account is offered by Delta Community Credit Union, a credit union founded in 1940 and based in Atlanta, GA. Delta Community Credit Union Personal Checking Account is available in 4 states across the USA.

Key Takeaways
  • Low APY. The maximum annual percentage yield for this account is only 0.03%, and you must keep a minimum balance of $5000.
  • $0 monthly fee. This account does not charge a monthly maintenance fee.
  • Small minimum initial deposit. You only need $1 to open an account.
  • No ATM fees. Delta Community Credit Union Personal Checking Account does not charge fees on ATM transactions.
  • Hard credit pull. Delta Community Credit Union may require a hard pull on your credit report to open a checking account.
Delta Community Credit Union Personal Checking Account Pros & Cons
Pros Cons
  • Interest-yielding account.
  • Access to physical branches.
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Not FDIC-insured.
  • Only available in 4 states.
  • Higher than average wire transfer fees.
Delta Community Credit Union Personal Checking Account FAQ

Are checking accounts from Delta Community Credit Union federally insured?

Yes, your Delta Community Credit Union checking accounts are insured up to $250,000 per person by the National Credit Union Share Insurance Fund (NCUSIF). Individual Retirement Accounts (IRA) are insured separately up to $250,000. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.

What APY does Delta Community Credit Union Personal Checking Account offer?

Delta Community Credit Union Personal Checking Account offers an APY starting at 0% and ranging up to 0.03% (APY stands for annual percentage yield, rates may change). However, to earn interest you must keep a minimum balance of $5000.

Delta Community Credit Union Personal Checking Account Rates and Terms
Rates Amount
APY (Annualized Percentage Yield) 0% - 0.03%

What are the account minimums for Delta Community Credit Union Personal Checking Account?

Delta Community Credit Union Personal Checking Account requires a minimum initial deposit of $1 to open an account.

Delta Community Credit Union Personal Checking Account Account Minimums
Description Amount
Minimum Initial Deposit $1
APY Minimum Balance $5,000

What fees does Delta Community Credit Union Personal Checking Account charge?

The good news is that this account does not have a monthly service charge.

Delta Community Credit Union Personal Checking Account Fees
Description
Monthly Fee $0
Paper Statement Fee $3
ATM Fee: In-Network $0
ATM Fee: Out-of-Network $0
NSF Fee $35
Overdraft Protection Fee (per transfer) $3
Overdraft Item Fee $35
Early Account Closure $0
Returned Deposit Fee (Domestic) $15
Debit Card Replacement Fee $0
Bank Teller Fee N/A
Check Cashing Fee N/A
Online Bill Pay Fee $0
Stop Payment Fee $25
Check Image Service N/A
Check Copy $5
Foreign Transaction Fee (Debit Card) 1%
Wire Transfer Fee - Domestic (Outgoing) $20
Wire Transfer Fee - International (Outgoing) $40
Wire Transfer Fee - International (Incoming) $0
Returned Deposit Fee (International) $20
Wire Transfer Fee - Domestic (Incoming) $0
ATM Reimbursement Monthly Limit N/A

What features and perks does Delta Community Credit Union Personal Checking Account offer?

This account includes the following features:

  • Mobile Banking Services - Delta Community Credit Union Personal Checking Account allows you to manage your money online. This includes depositing checks in your account with your smartphone.
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Availability

  Available in 4 states
  • Georgia
  • Kentucky
  • Texas
  • Utah

Feature Breakdown

APY Minimum Balance $5,000
Minimum Initial Deposit $1
ATM Fee: In-Network $0
Debit Card Replacement Fee $0
Early Account Closure $0
Monthly Fee $0
Online Bill Pay Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - International (Incoming) $0
ATM Fee: Out-of-Network $0
Check Copy $5
Foreign Transaction Fee (Debit Card) 1%
NSF Fee $35
Overdraft Item Fee $35
Overdraft Protection Fee (per transfer) $3
Paper Statement Fee $3
Returned Deposit Fee (Domestic) $15
Returned Deposit Fee (International) $20
Stop Payment Fee $25
Wire Transfer Fee - Domestic (Outgoing) $20
Wire Transfer Fee - International (Outgoing) $40
Bank Account Features
  • No ATM Fees
  • IRAs
  • Branch Access
  • NCUA Member
  • Bauer Financial A+/A Rating
  • Debit Card
  • Mobile Banking
  • No Monthly Maintenance Fee
  • Mobile Check Deposit
APY (Annual Percentage Yield) 0% - 0.03%

Delta Community Credit Union Personal Checking Account Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

-50%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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