Checking Accounts

Three Options Designed for Your Unique Financial Needs

We understand your personal checking account connects you to the things you do every day, from grabbing a morning cup of coffee to paying monthly bills. It also needs to keep up with the way you live. That’s why every Checking Account comes with free features such as:

  • Visa® contactless Debit Card, which gives you a safe and secure way to make purchases in person, online or using a digital wallet
  • Mobile App and Online Banking so you can manage your account, make deposits and more—24/7, from wherever you are
  • Unlimited ATM transactions at our nationwide network of surcharge-free ATMs

 

Choose the account that’s the right fit for you.

Free Checking

Enjoy no monthly service fee, no minimum opening deposit and no balance requirement.

Learn More about Free Checking Open an Account from our Checking Suite

Interest Checking

Earn interest on your account balance while easily managing spending.

Learn More about Interest Checking Open an Account from our Checking Suite

SpendSafe Checking®

Manage your money with no overdraft fees.

Learn More about SpendSafe Checking Open an Account from our Checking Suite


 
Free Checking
Has no monthly service fee, minimum opening deposit or minimum balance requirement
Interest Checking
Earns interest on the account balance
SpendSafe Checking™
Has no overdraft fees
Earns Interest 
Visa Debit Card   
Online Banking   
Mobile App   
Mobile Deposit   
Bill Pay   
Zelle® 1   
Online Statements   
Direct Deposit   
Unlimited Check Writing  
Unlimited Deposits   
Overdraft Protection  Not available
Courtesy Pay  Not available
Courtesy Pay Plus  Not available
Link to Digital Wallet   
Daily Transaction Limits$2,500 per day POS Limit
$2,500 per day PIN POS Limit
$500 per day ATM Withdrawal Limit
$2,500 per day POS Limit
$2,500 per day PIN POS Limit
$500 per day ATM Withdrawal Limit
$2,500 per day POS Limit
$2,500 per day PIN POS Limit
$500 per day ATM Withdrawal Limit
Branch Visits and Calls to Member CareUnlimitedUnlimitedUnlimited
Minimum Age (with Joint Owner)131313
Minimum Age (with no Joint Owner)181818
FEES
 
Free Checking
Interest Checking
SpendSafe Checking™
Monthly Fee$0  
Courtesy Pay$25 per item paid$25 per item paidNot available
Fee for Insufficient Funds$15 per presentment$15 per presentmentNot available
Overdraft Transfer$5 from credit accounts and $3 from deposit accounts$5 from credit accounts and $3 from deposit accountsNot available 
Out of Network ATM Fee$2 on all$2 on all$2 on all
Wire TransfersDomestic Wire - $20
International Wire - $40
Incoming Wire - $0
Domestic Wire - $20
International Wire - $40
Incoming Wire - $0
Domestic Wire - $20
International Wire - $40
Incoming Wire - $0
Official Checks$5 $5$5
Money Orders$5$5$5
 Open a Free Checking AccountOpen a Free Checking AccountOpen an Interest Checking AccountOpen a SpendSafe Checking Account
Free Checking
Has no monthly service fee, minimum opening deposit or minimum balance requirement
Interest Checking
Earns interest on the account balance
SpendSafe Checking™
Has no overdraft fees
Earns Interest
 
Visa Debit Card
   
Online Banking
   
Mobile App
   
Mobile Deposit
   
Bill Pay
   
Zelle® 1
   
Online Statements
   
Direct Deposit
   
Unlimited Check Writing
  
Unlimited Deposits
   
Overdraft Protection
  Not available
Courtesy Pay
  Not available
Courtesy Pay Plus
  Not available
Link to Digital Wallet
  Not available
Daily Transaction Limits
$2,500 per day POS Limit
$2,500 per day PIN POS Limit
$500 per day ATM Withdrawal Limit
$2,500 per day POS Limit
$2,500 per day PIN POS Limit
$500 per day ATM Withdrawal Limit
$2,500 per day POS Limit
$2,500 per day PIN POS Limit
$500 per day ATM Withdrawal Limit
Branch Visits and Calls to Member Care
UnlimitedUnlimitedUnlimited
Minimum Age (with Joint Owner)
131313
Minimum Age (with no Joint Owner)
181818
FEES
Free Checking
Interest Checking
SpendSafe Checking™
Monthly Fee
$0  
Courtesy Pay
$25 per item paid$25 per item paidNot available
Fee for Insufficient Funds
$15 per presentment$15 per presentmentNot available
Overdraft Transfer
$5 from credit accounts and $3 from deposit accounts$5 from credit accounts and $3 from deposit accountsNot available
Out of Network ATM Fee
$2 on all$2 on all$2 on all
Wire Transfers
Domestic Wire - $20
International Wire - $40
Incoming Wire - $0
Domestic Wire - $20
International Wire - $40
Incoming Wire - $0
Domestic Wire - $20
International Wire - $40
Incoming Wire - $0
Official Checks
$5$5$5
Money Orders
$5$5$5
Open a
Free
Checking AccountOpen a Free Checking Account
Open an Interest Checking AccountOpen a SpendSafe Checking Account
.

1Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®. Must have a bank account in the U.S. to use Zelle®.

2Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact Delta Community for more details.