Free Checking Accounts Without the Hassle. Additional insurance of up to $250,000 on your savings accounts is provided by Excess Share Insurance Corporation, a licensed insurance company. By the end of 1940 assets were approximately $2,000. Violators Its 311,252 members are served from 25 locations. And weve given it the features to reflect it! Let others know what you think. If none of your authorized overdraft protection sources have available funds or credit, we may pay items presented using Courtesy Pay or Courtesy Pay Plus, if there are funds available or in the case of Courtesy Pay Plus, you have opted in. To set up your account, simply contact us at 800-544-3328 or visit any of our branch locations. Whether youre on vacation, out of town on business or just around the corner, youll get secure and easy access to your funds at thousands of ATM and merchant Point of Sale (POS) locations internationally. Click "View Information" and sign in if asked to. Quick peek views of the most recent transactions on your accounts. It's like having a tiny branch in the palm of your hands. And the killer is that you are NOTHING more than your credit score. Please download one of these up-to-date, free and excellent browsers: There's no doubt about it, when life and finances come together, things run a whole lot smoother. If you withdraw any of the principal from your certificate of deposit, the early withdrawal penalty set forth in the Account Rate Schedule will apply. Delta Community Credit Union charges certain fees depending on the type of mortgage you get. As a not-for-profit credit union, their earnings must be returned to their members. Review account balances and transactions. I tell the 800 personnel that it is a constant problem and that a simple fix only works once or twice before I have to call back in to fix it again. [11][12], In 2013, Hank Halter was appointed President and CEO of Delta Community Credit Union and named an Atlanta top 100 leaders in finance by the Atlanta Business Chronicle. Find a Checking Account Near You. The funds in your account may not be pledged to secure any obligations of an owner, except obligations with Delta Community Credit Union. I've been with Delta when it was strictly for employees. That's why at Delta Community, we make it easy for you. Use the deposit slips provided by the branch you're visiting. After your account is opened you may not make additional deposits to the certificate of deposit. ServicesServices FinancesFinances Branch LocatorBranch Locator Service StatusService Status Select the Minimum Balance to see how our rates compare. With rates dropping, now is the perfect time to refinance your Car Loan with Delta Community and save money each month for the life of your loan. Requirements for Courtesy Pay Plus are the same as Courtesy Pay and include, but are not limited to, the following guidelines: What is the maximum amount available for overdrafts for Courtesy Pay and Courtesy Pay Plus? Delta Community privacy polices do not apply to linked websites; consult the privacy disclosures on the site for further information. Delta Community Credit Union is a credit union headquartered in Georgia, a state in the United States. Why should I opt in to Courtesy Pay Plus for ATM Card and Debit Card purchases? We recommend not sending any personal, confidential or private information in your message. We are here for all of your financial needs! Available to members who are 16 and 17 years old with an adult Joint Owner. 3442. Flexible, affordable and perfect for anything you need right now. Delta Community Credit Union branch locations include: Alpharetta, Atlanta, Buford, Canton, Cumming, Decatur, Douglasville, Duluth, Fayetteville, Gainesville, Johns Creek, Marietta, McDonough,[16] Newnan, Peachtree City, Sandy Springs, Snellville, and Stockbridge. At what age can my minor child have a Savings and/or Checking Account, and do I need to be a joint owner? We recommend not sending any personal, confidential or private information in your message. Account Rate Schedule Certificate Of Deposit (non-IRA) IRA Certificate Of Deposit Type of Rate: Fixed Minimum Opening Deposit: $1,000.00 Early Withdrawal Penalty: 60 days of interest if the certificate term is 6 months; If the college student is not an existing member, Membership can be applied for online. You can add Additional Savings Accounts and Money Markets as Overdraft Protection. Delta Community Credit Union's Bill Pay service makes paying bills easier than ever. Headquartered in Atlanta, GA, it has assets in the amount of $4,663,901,218. Home - Delta Community Credit Union Contact us today Get more out of life. Delta Community's Savings and Money Market Accounts are perfect for saving and earning at the same time, and, best of all, they have no annual fee. Can someone else be joint on my child's account besides a parent? In addition, it is not the financial institutions responsibility to ensure all posts and questions are answered. So without further ado, let's get started. We pay overdrafts at our discretion. The interest rate and annual percentage yield (APY) for certificates of deposit is set forth in the Account Rate Schedule. Rates may vary after account is opened. authorized By opting in to Courtesy Pay Plus, you add an extra layer of overdraft protection coverage which will cover ATM Card and Debit Card purchases. Check out our custom check options! Will I be contacted if anyone tries to access my account information? Made with love in San Francisco, California. This is because only banks are FDIC insured. We have everything you need to get your financial life in order. You are accessing a secure site with confidential information which is restricted to authorized persons only. When is your site going to become accessible again? When you open a Delta Community Checking Account, it is set up to automatically transfer funds from your Savings Account to your Checking should there be insufficient funds in the account. Consult the financial institution directly for full product terms and current rates. This is explained thus: I work with a long-time Delta employee who worked at the DECU and saw as it transitioned to DCCU and brought in more and more leaders from the traditional banks who brought in their "let's get every dime out of our clients as possible" mentality and it's all about the shareowners instead of the customer. National Credit Union Share Insurance Fund, "Company Overview of Delta Community Credit Union", "USA Credit Unions - Top 100 Credit Unions by Cash Assets", "Georgia Credit Union Directory (April 2019)", "Delta Community Credit Union opens new retail branch in Newnan", "Mobile Banking is Taking Off at Delta Community Credit Union", "Delta Community to open new full-service branch in Henry County", "Delta Community opens new administrative office center", "Delta Community Credit Union Company Profile", "Delta Community Credit Union opens 20th branch", https://en.wikipedia.org/w/index.php?title=Delta_Community_Credit_Union&oldid=1103656206, Credit unions based in Georgia (U.S. state), Creative Commons Attribution-ShareAlike License 3.0, This page was last edited on 10 August 2022, at 13:55. Yes, you can continue to use the same check/debit card for your checking account. Minimum Opening Deposit: None You can set up Overdraft Protection using a Savings Account, Money Market Account, Visa or Line of Credit. Personal Checking Account Fees. Delta Community Credit Union has one of the best savings rates around. We'll also show you how much you can expect to pay in annual fees, and where the closest . 60 days of interest if the certificate term is 6 months; For certificates opened through Delta Community Credit Unions Online Membership Application, no withdrawals may be made within the first sixty-five (65) days after account opening. SelectAdd an Account under Additional Services and follow the directions to open your additional checking account. *APY = Annual Percentage Yield. Early Withdrawal Penalty: Find out if you are eligible to join Delta Community Credit Union. The yield, however, isn't as competitive as Delta Community's CDs. Beneficiary - Designation of Savings, Checking, and/or CD Beneficiary, Electronic Deposit/Withdrawal Agreement Authorization (ACH), Wire Transfer Authorization (International), HSA Application and Custodial Account Agreement, Electronic Loan Payment Agreement Authorization (ACH), Private Mortgage Insurance (PMI) Removal Request Form, Debit Card Authorized User Removal Request, Visa Card Holder Automatic Payment Authorization, Credit Union Political Action Committee Deduct-a-Buck, Visa Balance Transfer [Log in to Online Banking and select the. The adult may be a non-guardian, however, for children ages 12 and under,the parent or guardian must sign to allow the account to be opened. Check Card Balance Please enter in your 16-digit Visa, Mastercard, or Discover Reward Card number followed by the 3-digit CVV code located on the back of your card. Where's our routing number when you need it?Right here: Learn more about Delta Communitys personal deposit products with our printable electronic brochure on Personal Account Products & Services. Commercial banking and services offered are: commercial real estate lending, SBA 504, equipment and vehicle financing, and lines of credit. Membership was also extended to the parents of active and former Delta employees in good standing. I lost my Checking Account due to too many NSFs. Select the Minimum Balance to see how our rates compare. How was your experience at this Credit Union? Our team is ready to assist you with all your financial needs at our newest branch. There is no charge for opting in, but if there are insufficient funds in the account and Courtesy Pay or Courtesy Pay Plus is used, then there is a per item fee each time an item is paid. What if I opt in and then change my mind? Yes, you can continue to use the same check/debit card for your checking account. Travis C. 254. . Federally Insured State-Chartered Credit Union, Share Certificates with low minimum balance requirement. I'll review the offers below. You will have a grace period after maturity in which to withdraw funds without being charged an early withdrawal penalty. Unauthorized access or use is not permitted and constitutes a crime punishable by law. Courtesy Pay is required in order to have Courtesy Pay Plus. Will those items be paid? Your cardholder experience will remain the same as it is today. The interest rate and annual percentage yield are fixed and will be in effect for the term of the account. Applying for a Grant How in the world they expect people to survive with no money for 7 business days. Definitely closing this account. Once the promotional rate is applied to a purchased certificate, it will remain in effect for the . We will give you ample time to notify your employer/originator of your new account number. Youll see that Delta Communitys Personal Checking Account doesnt just take money into consideration. Deposits in Delta Community Credit Union are insured by NCUA. There is no limit on the total fees that can be charged when you overdraw your account. Yes No. Car Loan Refinance Love Your Car but Not Your Car Loan? Use your Delta Community Visa Debit Card and Platinum Rewards Credit Card to earn rewards with each eligible . The member must be at least 16 years old to have a Checking Account. If the college student is already a member of the Delta Community Credit Union, to apply for a Checking Account and Visa Debit Card, simply complete a Checking Account application. Box 20541 Update Your Delta Community Contact Details Today, Dont Get Spoofed by a Fake Call Thats Not From Delta Community. Then our Business Checking Account is the account for you. You can add Additional Savings Accounts and Money Markets as Overdraft Protection. Delta Community Credit Union Visa Platinum Rewards Credit Card Purchase Intro APR Not Offered Transfer Intro APR Not Offered Regular APR 14% - 18% (V) annual fee $0 rewards rate 1 - 3 points / $1 Bonus Offer 10,000 points Being the largest credit union in Georgia, Delta Community Credit Union offers convenient access through 25 branches. $0.01 $100.00 View Current IRA/Savings/Checking Disclosure Supplement Minimum Opening Deposit: None Minimum Balance: $0.00 *APY = Annual Percentage Yield. The credit union serves the following companies: Delta Air Lines, Chick-fil-A, RaceTrac and UPS. Delta Communitys free Personal Checking Account gives teens more ways to manage their money and is a great student checking option for those preparing for life after high school. Free Delta Community Visa Business Check Card Unlimited access to thousands of surcharge-free ATMs Free access to Online Banking, which includes Online Bill Pay, eStatements, eAlerts and Mobile Banking For additional information, read our Business Services Disclosure Rates Business Checking Account Rates View current Business Services Disclosure Download and get started today! Delta Communitys free Personal Checking Account gives teens more ways to manage their money and is a great student checking option for those preparing for life after high school. With Delta Community Credit Union's Personal Checking Accounts there are no monthly fees. Can I have more than one checking account? I have my paycheck deposited to this account. No matter what you're saving for, Delta Community Credit Union makes it simple. Check out our. The Delta Community Credit Union is absolutely the worst banking experience I have ever had. There is the Customer NO SERVICE department. You might want to open an Additional Personal Savings Account that allows you to save for something outside your normal realm of savings. Unauthorized access or use is not permitted and constitutes a crime punishable by law. The interest calculation method for the certificate of deposit is set forth in the Account Rate Schedule. Delta Community Credit Union was chartered on Dec. 15, 1940. Delta Employees Credit Union was then and is now the largest credit union in Georgia.[9]. When can I re-apply for a new Checking Account with the credit union? You are accessing a secure site with confidential information which is restricted to Delta Community does not provide and is not responsible for the product, service, or overall website content available at the following site. Violators 2023 Branchspot, Services & Products - Financial Education, 25 Delta Community Credit Union Branch Locations. Delta Community does not provide and is not responsible for the product, service, or overall website content available at the following site. Delta Community Credit Unions Savings Accounts dividend rates. Interest will be credited monthly. On the Close Account form, you will complete a section that asks whether or not you have outstanding checks that need to clear. Perfect service settings my up mortgage. Delta Community privacy polices do not apply to linked websites; consult the privacy disclosures on the site for further information. This despite having a paper trail of several loans through DECU that I paid off early including an unsecured $65k loan for a 2014 Corvettenot one late payment on any loan over 2 decades. With Delta Community Credit Unions Personal Checking Accounts there are no monthly fees. Scroll down on the next page shown to you until you see the "Subscriptions" tab then click on "Manage". No matter what youre saving for, Delta Community Credit Union makes it simple. Getquick details on our Personal Checking Accounts, Personal Savings Accounts, Personal Money Market Accounts, Personal Certificates of Depositand much more. Unauthorized access or use is not permitted and constitutes a crime punishable by law. The administrative offices and conference center are now located at 3300 Riverwood Parkway, Atlanta, GA.[18], Delta Community Credit Union offers personal banking services, small business, and commercial banking services such as checking accounts, savings accounts, health savings accounts, credit card accounts, online banking, online bill pay, new car loans, used car loans, student loans, personal loans, vacation loans, RV loans, boat loans, home equity loans, home mortgages and consumer loans. You'll Find These Helpful Apply Now Open a Free Checking Account Now Apply now using our easy online application, and start enjoying all the great benefits of a Delta Community Personal Checking Account. In October 2005, Delta Employees Credit Union changed their name to Delta Community Credit Union to describe that they were open to the metro Atlanta community, not just Delta Air Line employees. Currently, we offer Account Protection services such as Overdraft Protection and Courtesy Pay that prevent you from incurring overdrafts. You are leaving the Delta Community website. All other interest periods follow the same pattern of dates. As with the outstanding checks, you will list any recurring or automatic debits on the form and we will know to allow these items to clear. If you are not enrolled in online banking or do not have online banking access, from the front page of the website under the Online Banking Username and Password click either New Enrollment or if you have logged in in the past and need assistance logging in click on Forgotten Username or Password. Minimum Opening Deposit: None Credit Union and ATM locations convenient to you. In addition, this information does not originate from us and thus, we do not guarantee its accuracy. open an Additional Personal Savings Account, Non-Sufficient Funds (NSF) Fee (includes ACH overdraft), $5.00 per month/$0 for account owners under 18 years of age. Temporary passwords are now EIGHT DIGITS and only by a phone call. Delta Community Credit Union is offering a $150 sign up bonus when you open a new checking and savings account. Delta Community privacy polices do not apply to linked websites; consult the privacy disclosures on the site for further information. Will I be receiving a new card and PIN? The Delta Community Credit Union Philanthropic Fund offers an annual grant-making program which provides financial support to registered 501 (c) (3) nonprofit organizations whose purpose is to help families manage their household finances and improve the physical and financial well-being of young people. How can a college student obtain a Checking Account and Visa Debit Card? [3] USA Credit Unions has ranked Delta Community as among the top 25 largest credit unions in the U.S.[4] Members include residents in 16 Atlanta metro area counties. Pay bills online quickly and easily using our free Bill Pay service. Exceptions to Early Withdrawal Penalties: At our option, we may pay the account before maturity without imposing an early withdrawal penalty when an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction. Bewarethis is almost a joke. Any person related by blood, adoption or marriage to, or domestic partner of, a member or qualifying member. Monthly: Compounding or Automatic Transfer. At eighteen years of age the applicant can have Savings and Checking Account without parental consent or a joint owner. Rewards are weak. That's what we've been reduced to at DCCU. My employer still issues paper checks, went to deposit the check and they placed a 7 business day hold on the entire check. The minimum balance required to open the account and earn the stated annual percentage yield is set forth in the Account Rate Schedule. Once your accounts are open, you'll have access to Online Banking with eStatements and be able to make up to six electronic withdrawals per month free of charge. Fees do apply to Overdraft Protection. Editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. Is there a fee to use Overdraft Protection for my Checking Account? With Delta Community Credit Unions Personal Checking Accounts there are no monthly fees. Closing my account first thing in the morning. Check out our. The Delta Community Credit Union mobile app has 4.9 out of 5 stars in the Apple store, and 4.7 out of 5 stars in the Google Play store. authorized Interested in other savings options? Delta Community does not provide and is not responsible for the product, service, or overall website content available at the following site. will be prosecuted to the fullest extent of the law. Delta Community does not provide and is not responsible for the product, service, or overall website content available at the following site. The Delta Community Visa Debit Card gives you the protection of Visa and easy access to your funds at thousands of ATMs throughout the country. https://www.deltacommunitycu.com. It really should be illegal for them to do this. [17], Delta Community Credit Union expanded its administrative offices in November 2017. Whether you need to make a loan payment or transfer money from your Checking Account, Savings Account, or Money Market Account to another account or to an account that you own outside of the Credit Union, you'll be able to do it securely and in very little time. Its 311,252 members are served from 25 locations. Any checks you list in this section will clear, assuming there are adequate available funds to cover them in your new Checking Account. Additionally, they charge overdraft fee before pending transactions have posted which cause more overdraft fees to be charged. FEATURES OF Delta Community Credit Union MOBILE BANKING. Delta Community privacy polices do not apply to linked websites; consult the privacy disclosures on the site for further information. Non-Sufficient Funds (NSF) Fee (includes ACH overdraft), 24-hour access to your funds with a Delta Community, So many ATMs and merchant locations you can use for FREE. With Delta Communitys VisaDebit Cards, youll have instant access to cash from your Savings or Checking Account and the ability to transfer funds between accounts and obtain your account balance information anytime and anywhere. Consult the financial institution directly for full product terms and current rates. Suggest an Update Delta Community Credit Union Locations & Hours Transfers from your DCCU Visa went from free to $6.00 per transfer. It's that simple. We recommend not sending any personal, confidential or private information in your message. As a 25-year member with verifiable income of $150k a year and over $100k in equity in my house I was denied a credit consolidation loan because of my credit score. For the latest on our COVID-19/Omicron variant response and to stay up-to-date on our branch operational adjustments, visit DeltaCommunityCU.com/Coronavirus. Are cash withdrawals using my ATM Card covered? Looks like deltacountycu.com is safe and legit. Delta Community privacy polices do not apply to linked websites; consult the privacy disclosures on the site for further information. You may select monthly compounding or automatic transfer to another account. The fees for both Courtesy Pay and Courtesy Pay Plus is $35. Transfer funds between your accounts, to another Delta Community member's accounts or to accounts you own outside of the Credit Union. You can now enroll in Courtesy Pay Plus, a new account protection service designed to cover ATM Card and Visa Debit Card purchases should there ever be an instance when there are not enough funds available in your account. A child of sixteen or seventeen may have a Checking Account as long as they have an adult as a joint owner on the account. It's your credit score and debt to income ratio. No "hey we can give you a loan but at an inflated interest rate" that might still be way lower than my current credit card rates but NOwe can't help you. What if I never plan to use Courtesy Pay Plus? Learn More about our rewards program. By telling us what features you want and describing your banking behavior, we show you banks and credit unions in your area that offer what you want. 90 days of interest if the certificate term is 12 months; With Delta Community Credit Unions Personal Savings Accounts there are no monthly fees. ACH transactions are electronic financial transactions made using your checking account number, such as an automatic withdrawal for car insurance, gym membership or mortgage. If you did not list those checks on the Close Account form, then the checks will be returned as 'Lost/Stolen' or 'Closed Account' and a letter will be sent to you. Check out our high-yield Certificates of Deposit and Money Market Accounts and take a look at our competitive dividend rates. Fees may reduce earnings. Where's our routing number when you need it?Right here: View current Business Services Disclosure. There is literally zero reason to become a member of DCCU. You'll need the following: Your "home" credit union's name. . What a check used to mean to a checking account is what a debit card means today. 1 photo. Please note that email is sent over the public internet. Refinance and Save Today. persons only. Compare Delta Community Credit Union Credit Cards Please find below credit cards offered by Delta Community Credit Union. Unauthorized access or use is not permitted and constitutes a crime punishable by law. The Youth Savings Account is specially designed for children ages 12 and under. If you suspect someone has gotten access to your card information, please notify us immediately as we will need to take additional steps. You are an algorithm. Information is displayed first and foremost for the benefit of consumers. Apply Now Open a Free Checking Account Now using our easy online application, and start enjoying all the great benefits of a Delta Community Personal Checking Account. Please note that email is sent over the public internet. Leave your Review, Suggestion, Complaint or Tip below: Delta Community Credit Union - Locations & Hours, Atlanta (Hartsfield-Jackson Int'l Airport), Salt Lake City (Salt Lake City Int'l Airport). [15], Delta Community Credit Union has branch locations in the states of Georgia, Kentucky, Texas and Utah. Congrats, DCCU. Delta Community Credit Union offers personal banking services, small business, and commercial banking services such as checking accounts, savings accounts, health savings accounts, credit card accounts, online banking, online bill pay, new car loans, used car loans, student loans, personal loans, vacation loans, RV loans, boat loans, home equity From 24-hour account access with our Online and Mobile Banking to a convenient and free Visa Debit Card that earns rewards, its a smart choice for teens ready to take the next step with their finances. [13], In May 2019, Delta Community opened its 29th branch. [7] It is a member of CO-OP, formerly known as CU Service Centers, a nationwide cooperative that has 3,500 member credit unions with +5,000 branches.[8]. Our user-friendly platform lets you pay your bills on time, every time and whenever and wherever you want. How long after you apply for a credit card does it usually take to get an answer? Apply now using our easy online application, and start enjoying all the great benefits of a Delta Community membership. Read our blog on how to build and acquire wealth. ServicesServices FinancesFinances Branch LocatorBranch Locator Service StatusService Status Yes. The Youth Savings Account is specially designed for children ages 12 and under. This document discloses the account rates, penalties and terms on certificate of deposit accounts. No. If you are not located near a branch, you can see all nationwide bank bonuses for more suitable offers. If the call center staff is uncomfortable or suspicious of a call, the Loss Prevention staff is notified. Introducing our new Visa Signature Credit Card designed for how you live. You are accessing a secure site with confidential information which is restricted to authorized persons only. More than one account can be used to cover your transactions. A negotiated down payment that got me the loan I needed. You may reapply at any time as long as any negative balances have been paid in full. Deposits received by Delta Community during the 30 days will be applied first to your overdrawn checking balance. Upon maturity, your certificate of deposit balance will be transferred to your primary savings account or other account as designated by you in writing for non-IRA Certificates of Deposit or to your IRA savings account for IRA Certificates of Deposit. The system will use the account(s) you have authorized, in the sequential order you requested, as long as you have available funds or credit. Delta Community Credit Union ISSUES Power of Attorney DocumentAND will not accept a properly created one. And we invite you to call it whatever you want, like your Beach Within Reach Account or your University of Savings Account or your Brand Spanking New Car Account. With an Additional Personal Savings Account, youll be able to keep the funds for the special things youre saving for in their own special place. Unfortunately, this information is unavailable on Delta Community Credit Union's website. The length of the grace period is set forth in the Account Rate Schedule. You can still opt in to Courtesy Pay Plus. I ask to escalate my call because I get the same answers to the same problem. It takes life into consideration, too. Rates provided by MyBankTracker.com. Rates provided by MyBankTracker.com. On March 8, 1940, Delta Employees Credit Union received a charter entitling it to 20 years of operation. Delta Community Credit Union. [5] Delta Community is a state-chartered credit union organized under the Georgia Department of Banking and Finance and federally insured by the National Credit Union Share Insurance Fund. We recommend not sending any personal, confidential or private information in your message. Copy of Check (trace # provided) $5.00 each. Do I need to advise my employer of my new checking account number? We recommend not sending any personal, confidential or private information in your message.