Delta Community Credit Union Personal Loans, Get unlimited free credit scores & reports, Delta Community Credit Union Credit Cards. Can someone else be joint on my child's account besides a parent? And weve given it the features to reflect it! View our Fees page for more information. And get this: theyre absolutely free. Delta Community does not provide and is not responsible for the product, service, or overall website content available at the following site. Interested in other savings options? A higher personal savings rate equals more money in your pocket. What if I never plan to use Courtesy Pay Plus? Welcome to Delta County Credit Union! 100% pleased. And just like our regular Personal Savings Account, it earns the same competitive dividends and is accessible through Online Banking and through our many Credit Union branch locations. SelectAdd an Account under Additional Services and follow the directions to open your additional checking account. Of course, no one called me back. Schedule Now Free, no-hassle Checking Please note that email is sent over the public internet. Delta Community privacy polices do not apply to linked websites; consult the privacy disclosures on the site for further information. Having been a member of the original DECU that became DCCU over the years I can speak from experience that this once-awesome institution has become an also-ran. Will I be contacted if anyone tries to access my account information? We offer a variety of traditional banking products such as deposit accounts, credit. 2023 Branchspot, Services & Products - Financial Education, 25 Delta Community Credit Union Branch Locations. After almost 15 minutes, a supervisor was coming on (named Ashley) and I was immediately disconnected. Use our online scheduling tool to make yours. A card that can change America We will give you ample time to notify your employer/originator of your new account number. 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. 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. Use the deposit slips provided by the branch you're visiting. I have my paycheck deposited to this account. Interest-bearing (tiered based on average daily balance), No monthly service fee with an average daily balance requirement of $750, No charge for the first 500 combined transactions and only 20 cents for each transaction over 500, Unlimited access to thousands of surcharge-free ATMs, Free access to Online Banking, which includes Online Bill Pay, eStatements, eAlerts and Mobile Banking. If my account is overdrawn, how long do I have to bring my account into a positive balance? We recommend not sending any personal, confidential or private information in your message. How was your experience at this Credit Union? Available to members who are 16 and 17 years old with an adult Joint Owner. 90 days of interest if the certificate term is 12 months; A withdrawal will reduce your earnings. Yes, you can continue to use the same check/debit card for your checking account. Personal Checking Account Fees. Once the promotional rate is applied to a purchased certificate, it will remain in effect for the . Courtesy Pay covers both checks and Automated Clearing House (ACH) transactions. Ach; ; Afrikaans; Akan; Alemannisch; ; Anarkiel; nglisc; ; ; Aragons; Credit Union and ATM locations convenient to you. All you need to open a Personal Savings Account is a $5 deposit, and you'll immediately start earning competitive dividends, which are paid out monthly. How do I set up Overdraft Protection for my Checking Account? The fees for both Courtesy Pay and Courtesy Pay Plus is $35. You may open an additional checking account from within Online Banking. The credit union has assets totaling $9.22 Billion and provides banking services to more than 476,000 members as of February 2023. Gots to be one of, if not THE worst credit Union. Use our online scheduling tool to make yours. . 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. Any withdrawals of principal prior to the maturity date will be subject to the Early Withdrawal Penalty described herein. 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. 30339 Car Loan Refinance Love Your Car but Not Your Car Loan? Minimum Opening Deposit: None Federally Insured State-Chartered Credit Union, Share Certificates with low minimum balance requirement. This document discloses the account rates, penalties and terms on certificate of deposit accounts. Automatically renewable certificates of deposit will renew upon maturity for a like term as the initial term. View Current IRA/Savings/Checking Disclosure Supplement. Absolutely the worst credit union. Amount: $35 per presentment. You are leaving the Delta Community website. 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 Currently, we offer Account Protection services such as Overdraft Protection and Courtesy Pay that prevent you from incurring overdrafts. View Current IRA/Savings/Checking Disclosure Supplement. 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. Delta Community Credit Union ISSUES Power of Attorney DocumentAND will not accept a properly created one. A negotiated down payment that got me the loan I needed. Read more about updating your contact details, Learn more about our Executive Insights series. Violators ACH transactions are electronic financial transactions made using your checking account number, such as an automatic withdrawal for car insurance, gym membership or mortgage. 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. Overdraft transfers from savings to checking went from free to $3.00 per transfer. It's your credit score and debt to income ratio. Delta Community privacy polices do not apply to linked websites; consult the privacy disclosures on the site for further information. You are accessing a secure site with confidential information which is restricted to authorized persons only. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. Will these be returned? Interest will begin to accrue on non-cash deposits (e.g., checks) on the business day you make the deposit to your account. 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. They rearrange transactions to cause overdraft fees to pile up. Please note that email is sent over the public internet. Delta Community privacy polices do not apply to linked websites; consult the privacy disclosures on the site for further information. Perfect service settings my up mortgage. Direct deposits will continue to be posted to your account but you still need to advise your employer of the change. According to Credit Unions Online, "the largest credit union in Georgia is Delta Community Credit Union". 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. Cards declining when theres funds available, no explanation from the bank. You may be charged an NSF fee each time a check or ACH is presented to us, even if it was previously submitted and rejected. Fee Type: Copy of Check (trace # provided) Amount: $5.00 each. This document discloses the account rates, penalties and terms on certificate of deposit accounts. Pay bills online quickly and easily using our free Bill Pay service. We are here for all of your financial needs! Delta Community Credit Union Personal Checking Account 2 Reviews APY 0% - 0.02% Monthly Fee None Signup Bonus None No ATM Fees Rewards + show details Want more checking accounts options? It's not your color. Access the application. Unauthorized access or use is not permitted and constitutes a crime punishable by law. Today. Transfer funds between your accounts, to another Delta Community member's accounts or to accounts you own outside of the Credit Union. *APY = Annual Percentage Yield. Transfers from your DCCU Visa went from free to $6.00 per transfer. I have an ongoing interface and sign-in problem that only get a specific fix for that moment in time. 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. *APY = Annual Percentage Yield. If you suspect someone has gotten access to your card information, please notify us immediately as we will need to take additional steps. You just need one thats evolved with the times. The managers are horrible with awful attitudes. You are accessing a secure site with confidential information which is restricted to authorized persons only. Bill Pay is free to members and available within our award-winning Mobile App and Online Banking. Any checks you list in this section will clear, assuming there are adequate available funds to cover them in your new Checking Account. persons only. If I opt in to Courtesy Pay Plus for ATM Card and Debit Card purchases, will my items always be paid? Running out of personal checks? Can I continue to use my check/debit card during the process? 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. Delta Community Credit Union also charges a $25 late payment fee and a $25 nonsufficient funds (NSF . 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. Available to members who are 16 and 17 years old with an adult Joint Owner. It has all of the free features that our Value Checking Account has, but its also a dividend-earning account that offers greater transaction flexibility. I have my paycheck deposited to this account. 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. 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. How long after you apply for a credit card does it usually take to get an answer? 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). Unauthorized access or use is not permitted and constitutes a crime punishable by law. 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. 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. Last year, they changed my address and sent all my personal account information to another family-- thank God it was an honest family-- when they accidentally changed my account address. We pay overdrafts at our discretion. Can I have my Delta retirement check deposited to a credit union account every month? 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. What if I opt in and then change my mind? In 1960, the board granted a renewal of the credit union's charter. The funds in your account may not be pledged to secure any obligations of an owner, except obligations with Delta Community Credit Union. It's like having a tiny branch in the palm of your hands. authorized Select the Minimum Balance to see how our rates compare. Please refer to your card terms and conditions for further details. Delta Community Credit Union was chartered on Dec. 15, 1940. As with all our online services, the security and protection of your account is of the utmost importance. 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. It has all the features youre looking for like VisaDebit CardsandOnline and Mobile Banking. Access the application. 60 days of interest if the certificate term is 6 months; 1 photo. Delta Community Credit Unions Savings Accounts dividend rates. Your certificate account will mature on the maturity date stated on your Certificate of Deposit Account. Quick peek views of the most recent transactions on your accounts. Delta Community Credit Unions Savings Accounts dividend rates. Consult the financial institution directly for full product terms and current rates. Some branches allow you to make an appointment. 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. preview Login to Home Banking - Delta Community Credit Union The member must be at least 16 years old to have a Checking Account. You are accessing a secure site with confidential information which is restricted to authorized persons only. Read our blog on how to build and acquire wealth. 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. Saving is made simple at Delta Community Credit Union. Headquartered in Atlanta, GA, it has assets in the amount of $4,663,901,218. A higher personal savings rate equals more money in your pocket. Direct deposits will continue to be posted to your account but you still need to advise your employer of the change. Has Delta Community made changes to its overdraft services? Well, as a Delta Community account holder, we've made it easy for you. Check out our custom check options! Is Delta Community Credit Union FDIC insured? Repayment of the overdraft amount is expected within 30 days. What happens if I choose not to opt in to Courtesy Pay Plus? For instance, a conventional fixed-rate mortgage may require an origination fee of 1%, whereas a loan for a first-time homebuyer has no origination fee. 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. Simply log in to your Online Banking account, go to the Additional Servicestab and underAccount Support, selectCard Management. This credit union has truly gone under and since pandemic their loans are tailored against people of colored, in my opinion. Delta Community Credit Union has one of the best savings rates around. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. In the past I could go to the bank, talk to a real live person, and give context to my needs. I am told they will put in an IT ticket for IT to call me but they never call me. Youll see that Delta Communitys Personal Checking Account doesnt just take money into consideration. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Delta Community Credit Union is not FDIC insured. When is your site going to become accessible again? There is literally zero reason to become a member of DCCU. Violators Is there a fee for Courtesy Pay and Courtesy Pay Plus? At what age can my minor child have a Savings and/or Checking Account, and do I need to be a joint owner? Unauthorized access or use is not permitted and constitutes a crime punishable by law. In addition, this information does not originate from us and thus, we do not guarantee its accuracy. I am closing and reopening my Checking Account due to stolen checks but I have checks that have not cleared yet. *APY = Annual Percentage Yield. Is there a fee to have or use Overdraft Protection for my Checking Account? Any checks you list in this section will clear, assuming there are adequate available funds to cover them in your new Checking Account. Regardless of advertiser status, none of the listings, reviews, or other information on Wallet Hub constitutes, in any way, a referral or endorsement by us of the respective financial company or professional, or vice versa. If you do not have sufficient funds in your Checking Account to cover an ATM withdrawal, the transaction will be declined. You might want to open an Additional Personal Savings Account that allows you to save for something outside your normal realm of savings. A divorce. 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. Learn More about our rewards program. It's the 13th largest credit union in Georgia with assets totaling $368.06 Million and providing banking services to more than 20,000 members. There is no limit on the total fees that can be charged when you overdraw your account. Its the hub through which most transactions take place. 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 someone tries to get information without proper verification, no information would be given. You are leaving the Delta Community website. Delta Community Credit Union's Bill Pay service makes paying bills easier than ever. This Disclosure Supplement is incorporated into and becomes part of your Member/Savings Services Disclosures and Agreements. It's that simple. SelectAdd an Account under Additional Services and follow the directions to open your additional checking account. With Delta Community Credit Union's Personal Checking Accounts there are no monthly fees. How can a college student obtain a Checking Account and Visa Debit Card? Deposits in Delta Community Credit Union are insured by NCUA. Membership and Deposit Account Applications Add Joint Owner Certificate of Deposit (CD) Application Checking Account Application Membership Application - Online Membership Application - Paper Membership Agreement Does the Credit Union offer other ways to protect overdrawing a Checking Account? Make your refund or bonus pay even more with rates up to 4.25% APY on CDs. Can I have more than one checking account? Delta Employees Credit Union was then and is now the largest credit union in Georgia.[9]. Delta Community Credit Union has been open since 1940. The change fee was more than the original tickets. We're in business to help people get more out of their finances. If you are not located near a branch, you can see all nationwide bank bonuses for more suitable offers. You went from being one of the few to one of the many. Delta Community Credit Union charges certain fees depending on the type of mortgage you get. [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 will have access to your past statements; your recent and new transactions will be available under the new checking account. When can I re-apply for a new Checking Account with the credit union?