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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 · Member ncua

Unaffiliated

Delta Community Credit Union Personal Checking Account

Unaffiliated

in Checking Accounts from Delta Community Credit Union · Member NCUSIF

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

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Monthly Fee $0
ATM Fee: Out-of-Network $0
Minimum Balance to Avoid Monthly Fee $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 maintenance fee.
  • 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.
  • 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.
  • Deposits are insured by the NCUA (up to $250K).
  • 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 0.01% and ranging up to 0.02% (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 (Annual Percentage Yield) 0.01% - 0.02%

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

Delta Community Credit Union Personal Checking Account does not require a minimum initial deposit.

Delta Community Credit Union Personal Checking Account Account Minimums
Description Amount
Minimum Opening Deposit $0
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
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

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

This account includes the following features:

  • Fraud monitoring - Delta Community Credit Union Personal Checking Account monitors transactions for potentially fraudulent 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 Personal Checking Account allows you to manage your money online. This includes depositing checks in your account with your smartphone.
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Contact

  • Headquarters
  •   1025 Virginia Ave
    Atlanta, GA 30354
  •   Visit Site

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 $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
Bank 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
  • NCUA Member
  • 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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