Last Updated: 01/21/2026
Delta Community CU Personal Checking Account
Unaffiliated
Last Updated: 01/21/2026
Not enough votes for recommendation
Rating not yet determined3 total votes
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Highlights
Welcome Offer
Starting at $0(Verified 06/21/2024)
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Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.00% - 0.02%(Verified 06/21/2024)
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Monthly Service Fee
$0(Verified 01/21/2026)
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Delta Community CU Personal Checking Account Review
The Delta Community CU 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 checking account is available in 4 states.
Key Takeaways
- Low annual percentage yield (APY). The maximum annual percentage yield for this account is only 0.02% .
- No monthly maintenance fees. This account does not charge any monthly account fees.
- No minimum initial deposit. There is no minimum balance required to open an account online.
- No ATM fees. Delta Community CU Personal Checking Account does not charge fees on ATM transactions .
Delta Community Credit Union checking account Pros & Cons
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Delta Community Credit Union checking account FAQ
Are checking accounts from Delta Community Credit Union federally insured?
Yes, your checking accounts are insured up to $250,000 per share owner for each account ownership category. 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 checking account offer?
Delta Community Credit Union checking account offers an APY starting at 0.00% and ranging up to 0.02% (APY stands for annual percentage yield, rates may change). However, to earn interest, you must keep an average beginning day balance of at least $5000.
| Rates | Amount |
| APY (Annual Percentage Yield) | 0.00% - 0.02% |
What are the account minimums for Delta Community Credit Union checking account?
Delta Community Credit Union checking account does not require a minimum initial deposit.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $5,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Delta Community Credit Union checking account charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Early Account Closure | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Copy | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Delta Community Credit Union checking account charge overdraft fees?
Yes, Delta Community Credit Union checking account charges a $35 fee for every overdraft.What features and perks does Delta Community Credit Union checking account offer?
This account includes the following features:
- Fraud monitoring - Delta Community Credit Union checking account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Mobile Banking Services - Delta Community Credit Union checking account allows you to manage your money online or with a mobile app. This includes depositing checks1 in your account with a mobile app on your smartphone.
What is the customer support email for Delta Community Credit Union checking account?
The customer support email for Delta Community Credit Union checking account is accessibility@deltacommunitycu.com.
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Message from Delta Community Credit Union checking account
Hours of Operation
Sunday
Closed
Monday
8:30AM - 4:30PM
Tuesday
8:30AM - 4:30PM
Wednesday
8:30AM - 4:30PM
Thursday
8:30AM - 4:30PM
Friday
8:30AM - 5:30PM
Saturday
9:00AM - 12:00PM
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Learn MoreSuperMoney Net Recommendation Score
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Delta Community CU Personal Checking Account Community Reviews
Would you recommend Delta Community CU Personal Checking Account to your friends?
JT
Jonathan T.
Jul 7, 2022
May or may not recommend
Have successfully used for over thirty five years. It helps to be able to use the shared branching network, including Publix Super Markets atms.
JD
Jamie D.
Jul 17, 2020
May or may not recommend
I have accounts at another Big Bank and a credit union that closed its branches in my area. I was tempted to open an account by a teller that insisted they were to open a location near my home. They stalled and stalled with excuses. Two years later it finally opened. Now I have an account that is useless as the check card is cancelled every other month. I have ...Show More
U
Anonymous
Aug 2, 2015
May or may not recommend
With $4.6 billion in assets, more than 20 branches and nearly 300,000 members, Delta Community Credit Union is one of the largest in Georgia. The credit union also has a top rating with Bauer. There is no minimum to open an account and no monthly fees. NSF fees are lower than average at $25.
Showing 3 of 3 reviews
