What is the benefit of an Additional Savings Account?
Having a second savings will be convenient to save for a special occasion, or for a major purchase, by keeping your funds separate from your primary savings. The Additional Savings Account earns the same dividend rate as does your Primary Savings.
Can I open an Additional Savings Account online?
Yes, to open an Additional Savings account online, simply login to your online banking account, then click on Add an Account from the Additional Services tab.
If you are not an Online Banker and the account ownership will mirror your primary savings, call us at 800-544-3328 to request Savings Account.
Alternatively, you call us at 800-544-3328 to open your Additional Savings Account, or you can complete the Membership Application and return the form by mail, fax or stopping by your local branch.
Can I open more than one Additional Savings Account?
Yes. You can open multiple Additional Savings Accounts by following the steps above.
Is there a minimum deposit required for the Additional Savings Account?
There is not a minimum deposit required for an Additional Savings Account.
Can the joint owner of a minor's Youth Savings Account request to open an Additional Savings Account?
Yes, at the joint owner's request, Delta Community CU will open the account for the minor.
Can I use an ATM or Visa Debit Card to withdraw funds from my Additional Savings Account?
Yes, your ATM card can be used to access funds from your Additional Savings Account.
If you would like your Additional Savings Account linked to your ATM or Debit Card, please call us at 800-544-3328 or send us a message by clicking Contact Us on the Additional Services tab with Online Banking.
How can I transfer funds to and from my Additional Savings Account?
- Call the Interactive Voice Response (IVR) Line at 800-544-3328
- Log into Online Banking and click Make a Transfer on the Transfers tab
- Fax request to 404-677-4789 attn: Operations Support Advisors
- Transacting with a Branch teller
- Send us a message by clicking Contact Us on the Additional Services tab within Online Banking
Learn more about the IVR self service feature.
To set up Online Banking access, click Online Banking Enrollment from the Delta Community homepage.
Can I set up an ACH for direct deposit into my Additional Savings Account?
Yes, you will need to provide your employer with your account number and then -30. For example, if your account number was 1234XXXX, you would list it as 1234XXXX-30. If your employer cannot enter a dash in the account number, then you will need to choose your Primary Savings Account or your Checking Account for the direct deposit.
Can I use my Additional Savings Account as overdraft protection for my Checking Account?
Yes, your Additional Savings Account can be used as overdraft protection for your Checking Account. See our checking account disclosure supplement for further information regarding overdraft protection fees.
To add, delete or change the order of the overdraft protection, complete one of the following:
- Send us a request from Online Banking using Contact Us located under Additional Services
- Mail or Fax a signed request or Overdraft Protection Update form to:
- Delta Community Credit Union
Attn: Deposit Services
PO Box 20541
Atlanta, GA 30320-2541
Fax: 404-677-4802
- Visit a Delta Community Credit Union branch location
- Call Delta Community's Member Care Center at 800-544-3328 and provide a verbal request
