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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 0  

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

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.

Rating not yet determined  

1 user recommends
1 user is unsure
1 user doesn't recommend
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Highlights
Community Rating

Rating not yet determined  

Cashback Rewards N/A
APY (Annual Percentage Yield) 0.00% - 0.02%
(Verified 08/08/2022)
Monthly Fee $0
Minimum Balance to Avoid Monthly Fee Starting at $0

Delta Community Credit Union Personal Checking Account Review

Delta Community Credit Union Personal Checking Account is offered by Delta Community 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%.
  • No minimum initial deposit. There is no minimum balance required to open an account.
Delta Community Credit Union checking account Pros & Cons
Pros Cons
  • Interest-yielding account.
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Does not offer mobile check deposits.
  • Does not provide access to a nationwide ATM network.
  • Does not come with a debit card
  • 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?

No, your Delta Community Credit Union checking accounts are not insured by a federal insurance agency. This means that if Delta Community Credit Union were to fall into financial difficulties, your deposits are not covered by a government backed insurance fund like the FDIC or NCUSIF.

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.

Delta Community Credit Union checking account Rates and Terms
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.

Delta Community Credit Union Personal Checking Account Minimums
Description
Minimum Balance to Earn APY $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?

This account charges a monthly service fee of $0.

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 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.

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:

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.

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 recommended based on community reviews that rate customer service and user experience.

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Message From Delta Community Credit Union

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

Minimum Balance to Earn APY $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 Starting at $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
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
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
Signup Bonus Starting at $0
APY (Annual Percentage Yield) 0.00% - 0.02%
(Verified 08/08/2022)

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 0, equating to 3 on a 5 point rating scale.

0

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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