An adult joint owner is required until the member reaches age 18. Delta Community Credit Union offers its members multiple savings vehicles, including competitive CD rates, checking accounts, and savings accounts. It really should be illegal for them to do this. authorized No. Quick peek views of the most recent transactions on your accounts. Login to Home Banking Online Banking Enrollment Thank you for registering for our Online Banking service. It's like having a tiny branch in the palm of your hands. 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. 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 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. https://www.deltacommunitycu.com. 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. Open an account Find our Locations & ATMs Contact us today. We pay overdrafts at our discretion. 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. 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. persons only. Even though people rarely write checks anymore, you still need a personal checking account. 3442. I have companies that automatically debit my account. 332. At what age can my minor child have a Savings and/or Checking Account, and do I need to be a joint owner? The credit union serves the following companies: Delta Air Lines, Chick-fil-A, RaceTrac and UPS. That's what we've been reduced to at DCCU. It takes life into consideration, too. This is because only banks are FDIC insured. You may select monthly compounding or automatic transfer to another account. What you'll get: $150 Bonus Eligible account: Checking Account Where it's available: GA Credit Inquiry: Soft Pull Direct Deposit Required: No Monthly Fee: None How to earn it : SelectAdd an Account under Additional Services and follow the directions to open your additional checking account. The managers are horrible with awful attitudes. If I opt in to Courtesy Pay Plus for ATM Card and Debit Card purchases, will my items always be paid? You are accessing a secure site with confidential information which is restricted to authorized persons only. Delta Community privacy polices do not apply to linked websites; consult the privacy disclosures on the site for further information. Delta Community Credit Union has been open since 1940. 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. 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. 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. 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. Courtesy Pay covers both checks and Automated Clearing House (ACH) transactions. 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. We have everything you need to get your financial life in order. And get this: theyre absolutely free. 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 also charges a $25 late payment fee and a $25 nonsufficient funds (NSF . 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? We'd like some additional information from you before we can open your account. 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 Is there a fee for Courtesy Pay and Courtesy Pay Plus? will be prosecuted to the fullest extent of the law. 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. Every other financial institution lets the customer choose in what form you want your temporary password sent to you. From 24-hour account access with our Online and Mobile Banking to a convenient and free Visa Debit Card, its a smart choice for teens ready to take the next step with their finances. [15], Delta Community Credit Union has branch locations in the states of Georgia, Kentucky, Texas and Utah. What if I never plan to use Courtesy Pay Plus? The Youth Savings Account is specially designed for children ages 12 and under. It applies whether or not the interest has been earned. We'll also show you how much you can expect to pay in annual fees, and where the closest . We recommend not sending any personal, confidential or private information in your message. We recommend not sending any personal, confidential or private information in your message. What a check used to mean to a checking account is what a debit card means today. Last time I talked to a human she was not able to help one iota. View Current IRA/Savings/Checking Disclosure Supplement. 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. It's that simple. How can a college student obtain a Checking Account and Visa Debit Card? Use your Delta Community Visa Cards to earn rewards with each eligible purchase. [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. Home - Delta Community Credit Union Contact us today Get more out of life. Fees do apply to Overdraft Protection. Please note that email is sent over the public internet. [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. You'll need the following: Your "home" credit union's name. Rates provided by MyBankTracker.com. ServicesServices FinancesFinances Branch LocatorBranch Locator Service StatusService Status Rates provided by MyBankTracker.com. Well, as a Delta Community account holder, we've made it easy for you. Do Not Sell or Share My Personal Information. Gots to be one of, if not THE worst credit Union. 100% pleased. Fees may reduce earnings. *APY = Annual Percentage Yield. Its the hub through which most transactions take place. Can I continue to use my check/debit card during the process? Your deposits are federally insured by the NCUA for up to . Learn More Schedule a Branch Appointment Some branches allow you to make an appointment. Saving is made simple at Delta Community Credit Union. I lost my Checking Account due to too many NSFs. To access your account, bring your account details with youtellers at other credit unions generally cannot look up your account number. Any withdrawals of principal prior to the maturity date will be subject to the Early Withdrawal Penalty described herein. How long after you apply for a credit card does it usually take to get an answer? Read more aboutYouth Savings Accounts. . In addition, it is not the financial institutions responsibility to ensure all posts and questions are answered. We offer a variety of traditional banking products such as deposit accounts, credit. 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. Fee Type: Copy of Check (trace # provided) Amount: $5.00 each. Direct deposits will continue to be posted to your account but you still need to advise your employer of the change. At eighteen years of age the applicant can have Savings and Checking Account without parental consent or a joint owner. 270 days of interest if the certificate term is 60 months. authorized I insisted to be connected to the next level up in the hope I would be listened to and helped. Delta Credit Union should be ashamed of themselves. Transfer funds between your accounts, to another Delta Community member's accounts or to accounts you own outside of the Credit Union. Then our Business Checking Account is the account for you. Is there a fee to use Overdraft Protection for my Checking Account? Perfect service settings my up mortgage. Is there a fee to have or use Overdraft Protection for my Checking Account? Check out our high-yield Certificates of Deposit and Money Market Accounts and take a look at our competitive dividend rates.