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. If someone tries to get information without proper verification, no information would be given. If this is the case, you will need to contact the merchant. Closing my account first thing in the morning. Can I continue to use my check/debit card during the process? Delta Community Credit Unions Savings Accounts dividend rates. Car Loan Refinance Love Your Car but Not Your Car Loan? You are leaving the Delta Community website. You are accessing a secure site with confidential information which is restricted to authorized persons only. View Current IRA/Savings/Checking Disclosure Supplement. *APY = Annual Percentage Yield. Delta Community does not provide and is not responsible for the product, service, or overall website content available at the following site. 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. Find a Checking Account Near You. And ours certainly has. Make your refund or bonus pay even more with rates up to 4.25% APY on CDs. You'll also be able to make 25 transactions each month for free, and your deposits won't count toward your limit. If you suspect someone has gotten access to your card information, please notify us immediately as we will need to take additional steps. Rates subject to change. Transfer funds between accounts . Will I be contacted if anyone tries to access my account information? 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. I have companies that automatically debit my account. Some branches allow you to make an appointment. You just need one thats evolved with the times. 1 photo. You can set up Overdraft Protection using a Savings Account, Money Market Account, Visa or Line of Credit. Your deposits are federally insured by the NCUA for up to . We'll also show you how much you can expect to pay in annual fees, and where the closest . Rates may vary after account is opened. Commercial banking and services offered are: commercial real estate lending, SBA 504, equipment and vehicle financing, and lines of credit. 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 Simply log in to your Online Banking account, go to the Additional Servicestab and underAccount Support, selectCard Management. [14], Membership is open to anyone who lives or works in the Georgia counties of Butts, Cherokee, Clayton, Cobb, Coweta, DeKalb, Douglas, Fayette, Forsyth, Fulton, Gwinnett, Hall, Henry, Paulding, Rockdale, and Spalding. You are accessing a secure site with confidential information which is restricted to FEATURES OF Delta Community Credit Union MOBILE BANKING. Learn More Schedule a Branch Appointment Some branches allow you to make an appointment. It has all the features youre looking for like VisaDebit CardsandOnline and Mobile Banking. Highly recommend. Please note that email is sent over the public internet. Rates subject to change. 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. 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 you have additional overdraft items during this time, the account must be brought to a positive balance on or before the 30th day from the date of the initial overdraft item. 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. 3442. You are accessing a secure site with confidential information which is restricted to 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. We recommend not sending any personal, confidential or private information in your message. Check out our custom check options! Editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. persons only. The credit union serves the following companies: Delta Air Lines, Chick-fil-A, RaceTrac and UPS. You are accessing a secure site with confidential information which is restricted to authorized persons only. To set up your account, simply contact us at 800-544-3328 or visit any of our branch locations. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Current Members: Want to get a Delta Community Visa Debit Card? Once you're a member, you're a member for life, regardless of whether you move, change jobs or retire. The Youth Savings Account is specially designed for children ages 12 and under. If you close your account before accrued interest is credited, accrued interest will be paid for the period. No, it's a service provided by the Credit Union to provide you with the convenience of knowing your purchases will be approved if there are insufficient funds in your accounts. Access the application. 100% pleased. A negotiated down payment that got me the loan I needed. Review account balances and transactions. Delta Community Credit Unions Savings Accounts dividend rates. Select the Minimum Balance to see how our rates compare. They rearrange transactions to cause overdraft fees to pile up. Overdraft Protection allows you to link a qualified account such as a Savings, Visa, Money Market or Line of Credit to your Checking Account. Use our online scheduling tool to make yours. 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 Delta Community privacy polices do not apply to linked websites; consult the privacy disclosures on the site for further information. It takes life into consideration, too. With Delta Community Credit Union's Personal Checking Accounts there are no monthly fees. Open an account Find our Locations & ATMs Contact us today. 332. In the past I could go to the bank, talk to a real live person, and give context to my needs. Use our online scheduling tool to make yours. Use our online scheduling tool to make yours. So without further ado, let's get started. Running out of personal checks? Delta Community Credit Unions Savings Accounts dividend rates. And, our Delta Community Visa Debit Card comes loaded with great benefits like: Where's our routing number when you need it?Right here: Get quick details on our Personal Savings Accounts, Personal Money Market Accounts, Personal Certificates of Depositand much more. Furthermore, it is important to note that the inclusion of a financial company or professional on Wallet Hub does not necessarily indicate their involvement with the site or control over the information that we display. All you need to open a Personal Savings Account is a $5 deposit, and youll immediately start earning competitive dividends, which are paid out monthly. Unfortunately, this information is unavailable on Delta Community Credit Union's website. And, our Delta Community Visa Debit Card comes loaded with great benefits like: Where's our routing number when you need it?Right here: Get quick details on our Personal Savings Accounts, Personal Money Market Accounts, Personal Certificates of Depositand much more. 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. Last time I talked to a human she was not able to help one iota. Please note that email is sent over the public internet. Rates provided by MyBankTracker.com. Atlanta, GA 30320-2541. Temporary passwords are now EIGHT DIGITS and only by a phone call. will be prosecuted to the fullest extent of the law. Check out our. Headquartered in Atlanta, GA, it has assets in the amount of $4,663,901,218. Consult the financial institution directly for full product terms and current rates. Let others know what you think. The average daily balance method applies a periodic rate to the average daily balance in the account for the period. Congrats, DCCU. You are leaving the Delta Community website. Never open during posted hours. It's not your color. P.O. Is there a fee to have or use Overdraft Protection for my Checking Account? How do I set up Overdraft Protection for my Checking Account? Click "View Information" and sign in if asked to. With Delta Community Credit Unions Personal Checking Accounts there are no monthly fees. Deposits in Delta Community Credit Union are insured by NCUA. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Delta Community does not provide and is not responsible for the product, service, or overall website content available at the following site. 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. FindABetterBank helps you find the checking account that best fits you. More than one account can be used to cover your transactions. If there is no card fraud then there is no need to reissue a card or PIN for your new checking account. It really should be illegal for them to do this. Member in good standing with a Checking Account opened for 60 days or more, Account is not more than 30 days delinquent or in default on loans or other obligations to us, No legal or administrative orders or levies against your Checking Account, Courtesy Pay is required for Courtesy Pay Plus, An ATM Card or Debit Card is issued for your Checking Account. You may reapply at any time as long as any negative balances have been paid in full. In 2001, domestic partners of members were added. This means we do not guarantee we will always authorize and pay any type of transaction when there is not enough money available in your checking or designated overdraft protection accounts to cover the item. Throughout 2022, our Philanthropic Fund will invest $125,000 in organizations supporting metro Atlanta children and families. it's disciplined but streamlined: We close the deal in as . Our user-friendly platform lets you pay your bills on time, every time and whenever and wherever you want. This credit union has truly gone under and since pandemic their loans are tailored against people of colored, in my opinion. Minimum Balance: $5.00 No matter what youre saving for, Delta Community Credit Union makes it simple. As with all our online services, the security and protection of your account is of the utmost importance. No matter what you're saving for, Delta Community Credit Union makes it simple. We recommend not sending any personal, confidential or private information in your message. APYs are accurate as of the first day of the current month and are subject to change. will be prosecuted to the fullest extent of the law. Looks like deltacountycu.com is safe and legit. 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. Use the deposit slips provided by the branch you're visiting. If the college student is not an existing member, Membership can be applied for online. persons only. Delta Community Credit Union ISSUES Power of Attorney DocumentAND will not accept a properly created one. A higher personal savings rate equals more money in your pocket. And no BS response from one of your PR reps can change this. Product: Delta Community Credit Union Checking 0 0 Tur1261 *APY = Annual Percentage Yield. Flexible, affordable and perfect for anything you need right now. This document discloses the account rates, penalties and terms on certificate of deposit accounts. Delta Community Credit Union is not FDIC insured. Learn More about our rewards program. And weve given it the features to reflect it! Credit Cards Visa Platinum Rewards Card Balance Transfer Additional Card Benefits Reward Points. If the college student is not an existing member, Membership can be applied for online. You are an algorithm. Examples abound. Delta Community Credit Union is a credit union headquartered in Georgia, a state in the United States. Any amount exceeding the Delta Community RMD would be subject to the early withdrawal penalty. View our Fees page for more information. Information on this page is provided 'as is' and solely for informational purposes, not for any other purpose or advice. The penalty is calculated as a forfeiture of part of the interest that has been or would be earned at the interest rate on the account. You just need one thats evolved with the times. 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). Login to Home Banking. Can someone else be joint on my child's account besides a parent? Violators 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. 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. We're in business to help people get more out of their finances. And of course I say this because if I am applying for a loan 1/2 of what I have in my account which Delta has made money off loaning it to others. Transfers from your DCCU Visa went from free to $6.00 per transfer. 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. You may reapply at any time as long as any negative balances have been paid in full. "I loved working in Duluth and Suwanee, and now I'm. 90 days of interest if the certificate term is 12 months; 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. 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. No, generally you will not receive a new card and PIN. It applies whether or not the interest has been earned. By 1983, assets were +$200M. To DCCU, you are a number, not a clientnot a humannot an African American. Learn More about our Woodstock branch. Do Not Sell or Share My Personal Information. And get this: theyre absolutely free. The interest rate and annual percentage yield are fixed and will be in effect for the term of the account. Why should I opt in to Courtesy Pay Plus for ATM Card and Debit Card purchases? I have companies that automatically debit my account. For example, we may not pay overdrafts when you are in default on a loan with Delta Community or your account is otherwise not in good standing. It's your credit score and debt to income ratio. Yes No. 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. preview Credit Union and ATM locations convenient to you. There is no fee to set up Overdraft Protection for your Checking Account. The Credit Union will not authorize and pay overdrafts for ATM Card or Debit Card purchases, unless you ask us to by opting in electronically to Courtesy Pay Plus via the Delta Community website or verbally by telephone at 800-544-3328. At what age can my minor child have a Savings and/or Checking Account, and do I need to be a joint owner? City locations outside of Georgia include: Florence, Kentucky; Southlake, Texas and Salt Lake City, Utah. 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. 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. Even though people rarely write checks anymore, you still need a personal checking account. After your account is opened you may not make additional deposits to the certificate of deposit. It's the largest credit union in Georgia with assets totaling $9.22 Billion and providing banking services to more than 476,000 members as of February 2023. We recommend not sending any personal, confidential or private information in your message. You will have access to your past statements; your recent and new transactions will be available under the new checking account. Any withdrawals of principal prior to the maturity date will be subject to the Early Withdrawal Penalty described herein. No gimmicks and no hidden surprises like requiring a minimum balance. Can I have more than one checking account? There is the Customer NO SERVICE department. Hold Zell funds for days on end before releasing. 2023 Branchspot, Services & Products - Financial Education, 25 Delta Community Credit Union Branch Locations. Read more about updating your contact details, Learn more about our Executive Insights series. That's why at Delta Community, we make it easy for you. [13], In May 2019, Delta Community opened its 29th branch. Yes. First to Review. In February 1940, Delta Employees Credit Union was formed in Atlanta, Georgia, by eight Delta Air Lines employees, each with a stake of $45 in share capital. Reward Points went from 1 for every 2 dollars spent on the DCCU Visa check card to 1 point for every 3 dollars spent on your Visa check card - so your points' accumulation is further diluted. You cannot withdraw principal from this account without the credit unions consent except on or after maturity. authorized Update Your Delta Community Contact Details Today, Dont Get Spoofed by a Fake Call Thats Not From Delta Community. Its 311,252 members are served from 25 locations. Ach; ; Afrikaans; Akan; Alemannisch; ; Anarkiel; nglisc; ; ; Aragons; 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. You are leaving the Delta Community website. No gimmicks and no hidden surprises like requiring a minimum balance. Fees may reduce earnings. Schedule Now Free, no-hassle Checking Delta Community Credit Union has one of the best savings rates around. The NCUA is responsible for regulating and insuring credit unions. 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. Of course, no one called me back. Membership and Deposit Account Applications Add Joint Owner Certificate of Deposit (CD) Application Checking Account Application Membership Application - Online Membership Application - Paper Membership Agreement . Can someone else be joint on my child's account besides a parent? 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. Delta Community Credit Union 1025 Virginia Ave, Atlanta, GA Virginia Avenue Not Yet Rated About More Edit listing Services Lobby Hours Drive Up Hours Partnership with Coinbase Get free cryptocurrency (up to $100) value in our partnership with Coinbase. If I opt in to Courtesy Pay Plus for ATM Card and Debit Card purchases, will my items always be paid? What a check used to mean to a checking account is what a debit card means today. Welcome to Delta County Credit Union! Bewarethis is almost a joke. Delta Community Credit Union also charges a $25 late payment fee and a $25 nonsufficient funds (NSF . 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. At eighteen years of age the applicant can have Savings and Checking Account without parental consent or a joint owner. It's that simple. The managers are horrible with awful attitudes. Transactions are subject to form 5305A and 5305RA under Section 408(a) of the Internal Revenue Code. ACH transactions are electronic financial transactions made using your checking account number, such as an automatic withdrawal for car insurance, gym membership or mortgage. Is Courtesy Pay or Courtesy Pay Plus a loan? Fees do apply to Overdraft Protection. You are leaving the Delta Community website. You'll need the following: Your "home" credit union's name. Made with love in San Francisco, California. A divorce. Yes, members 16 and older can have up to three (3) Checking Accounts per membership. SelectAdd an Account under Additional Services and follow the directions to open your additional checking account. Delta Community privacy polices do not apply to linked websites; consult the privacy disclosures on the site for further information. The fees for both Courtesy Pay and Courtesy Pay Plus is $35. authorized Currently, we offer Account Protection services such as Overdraft Protection and Courtesy Pay that prevent you from incurring overdrafts. 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. 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. Is there a fee for Courtesy Pay and Courtesy Pay Plus? It's like having a tiny branch in the palm of your hands. Membership was also extended to the parents of active and former Delta employees in good standing. 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. In 1960, the board granted a renewal of the credit union's charter. The interest rate and annual percentage yield (APY) for certificates of deposit is set forth in the Account Rate Schedule. 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. Please call customer service at 800-544-3328 for more details. All other interest periods follow the same pattern of dates. Federally Insured State-Chartered Credit Union, Share Certificates with low minimum balance requirement. Delta Community does not provide and is not responsible for the product, service, or overall website content available at the following site. Start your review of Delta Community Credit Union. If all of this sounds good, you should consider adding our Money . We pay overdrafts at our discretion. If you have a Visa Credit Card or loan such as a Line of Credit, you can have those set up as Overdraft Protection as well. ServicesServices FinancesFinances Branch LocatorBranch Locator Service StatusService Status Add in the nominal balance requirements and super-convenient access to your funds, and you'll understand why our savings options are just too good to pass up. [17], Delta Community Credit Union expanded its administrative offices in November 2017. Learn more about our business products and services, or apply now. 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. Log in to your card account First Time Login Enter your 16-digit card number to set up your online account Card Account Number Returning Cardholder Login Card Account Number. Direct deposits will continue to be posted to your account but you still need to advise your employer of the change. You may open an additional checking account from within Online Banking. And the killer is that you are NOTHING more than your credit score. Please note that email is sent over the public internet. The credit union has assets totaling $9.22 Billion and provides banking services to more than 476,000 members as of February 2023. If your Checking Account ever has an insufficient funds balance when a transaction such as a check, electronic payment or purchase is presented, the money will be automatically transferred from one of the accounts you designate. Your account is nontransferable and nonnegotiable. 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.