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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 · ncua

Unaffiliated

Delta Community Credit Union Personal Checking Account

Unaffiliated

in Checking Accounts from Delta Community Credit Union · Insured by NCUA

Net Recommendation Score -50

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -50, equating to 2 on a 5 point rating scale.

-50

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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Highlights
Community Rating

Rating not yet determined  

Monthly Fee $0
ATM Fee: Out-of-Network $0
Minimum Balance to Avoid Monthly Fee Starting at $0
APY (Annual Percentage Yield) 0.01% - 0.02%

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 0.02%.
  • $0 monthly fee. This account does not charge a monthly Service Charge.
  • No minimum initial deposit. There is no minimum balance required to open an account.
  • No ATM fees. Delta Community Credit Union Personal Checking Account does not charge fees on ATM transactions.
Delta Community Credit Union checking account Pros & Cons
Pros Cons
  • Dividend-yielding account
  • Insured by NCUA.
  • Access to physical branches.
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Does not provide access to a nationwide ATM network.
  • Not FDIC-insured.
  • Only available in 4 states.
  • Higher than average wire transfer fees.
Delta Community Credit Union 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 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 0.01% 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.

Delta Community Credit Union checking account Rates and Terms
Rates Amount
APY (Annual Percentage Yield) 0.01% - 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.

Delta Community Credit Union Personal Checking Account Minimums
Description
APY Minimum Balance $5,000
Minimum Opening Deposit Starting at $0
Minimum Balance to Avoid Monthly Fee 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.

Delta Community Credit Union Personal Checking Account Fees
Description
ATM Fee: In-Network $0
Check Copy $5
Debit Card Replacement Fee $0
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 1%
Monthly Fee $0
NSF Fee $35
Online Bill Pay Fee $0
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 (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $20
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $40
ATM Fee: Out-of-Network $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.

Delta Community Credit Union checking account offers overdraft protection at a cost of $3 per transaction.

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 checks in your account with a mobile app on your smartphone.

How do people rate the customer service and user experience of Delta Community Credit Union checking account?

Overall, Delta Community Credit Union checking account is mostly not recommended based on community reviews that rate customer service and user experience.

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Message From Delta Community Credit Union Personal Checking Account

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 and Online and Mobile Banking. 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.

Contact

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

Other Services by Delta Community Credit Union

Availability

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

Feature Breakdown

APY Minimum Balance $5,000
Minimum Opening Deposit Starting at $0
Minimum Balance to Avoid Monthly Fee Starting at $0
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
Account Features
  • No ATM Fees
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Interest Bearing Account
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Bauer Financial A+/A Rating
  • Insured by NCUA
  • Branch Access
APY (Annual Percentage Yield) 0.01% - 0.02%

Delta Community Credit Union Personal Checking Account Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -50, equating to 2 on a 5 point rating scale.

-50

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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