Connecting You to the Way You Live
You need a convenient and flexible way to navigate everyday life. Our Free Checking Account gives you all the benefits you expect from a checking account—with no monthly service fee and no required minimum monthly balance.
You can use your Debit Card everywhere Visa is accepted, and the funds come directly from your Checking Account.
It’s the smart, convenient and secure way to pay for all kinds of everyday purchases:
Yes, primary members who are at least 13 years old can have up to six (6) Checking Accounts per membership. You may open an additional Checking Account within Online Banking. Select Add an Account under Additional Services and follow the directions to open your additional checking account.
An account becomes inactive when the aggregate balance in its deposit accounts (Savings, Checking, Additional Savings, and Money Market) is less than $60 and there is no activity for 6 consecutive months.
We encourage members to deposit regularly into their accounts, thus eliminating the $5.00 monthly Inactive Account Fee. A notice advising that the account is approaching an inactive status prior to having any fees deducted will be sent. The inactive account fee is deducted the first business day of the month after the letter is mailed.
To reopen an account closed by inactivity, the primary member can reapply online or with a signed membership application.
A2A transferring is the process of moving funds electronically from an account at one financial institution to an account (owned by the same person) at another financial institution using the ACH (Automated Clearing House) network. You can transfer money to/from your account at another bank or credit union to your Delta Community account as long as you are the primary or joint owner on both accounts. Brokerage accounts and pre-paid debit card accounts are excluded from this service.
View the A2A External Account set-up instructions
The ACH Network is a highly reliable and efficient nationwide batch-oriented electronic funds transfer system governed by The Electronic Payments Association (NACHA) operating rules. You can visit the NACHA web site for more information on how the ACH network is used.
How do I create a new transfer in A2A External Accounts?To Create a New Transfer:
An entry received prior to 12:00 p.m. ET will be processed the next business day. An entry received after 12:00 p.m. ET will be processed on the second business day following the transaction.
An email will be sent to the email address on file each time an A2A transfer is created. The email will confirm that an A2A request has been received and will be processed. The email will come from donotreply@deltacommunitycu.com and the subject will state Account to Account Transfer Request Notification.
Ensuring the online security of your personal information is a top priority for Delta Community Credit Union. View details regarding Delta Community's Website Security Information.
There is no fee for A2A Transfers. At Delta Community Credit Union, we strive to provide low or no cost products and services to our members.
You can edit/delete a pending A2A transfer by 12:00 p.m. ET the business day prior to the scheduled transfer. After that time, the transfer goes into processing mode and you will not be able to edit/delete the pending A2A transfer.
To view a pending (scheduled) A2A transfer beyond 30 days, click on the name of the External Account (ie. Bank of America). You will be able to edit or delete a payment from this screen.
No. The A2A feature cannot be used to make loan payments. The A2A feature is designed to transfer funds from one deposit account to another.
A2A transactions will be processed within two business days. However, a hold period may apply to select transfers.
An entry received prior to 12:00 p.m. ET will be processed the next business day. An entry received after 12:00 p.m. ET will be processed on the second business day following the transaction.
If your A2A transfer is set up over the weekend or a holiday, it will be processed on the second business day following the transaction.
Access Online Banking, select Transfers Tab and choose A2A External Transfers, then select External Transfer Accounts. Click on the Financial Institution to delete the account(s).
No. The Credit Union will not be responsible for errors or omissions - including without limitation the amount, accuracy, and/or timeliness of funds transmittal or authorization of any entry received from the member - or those of any other person, including without limitation any other financial institution, the Federal Reserve or any ACH or transmission or communications facility, and no such person shall be deemed the Credit Union's agent.
After the initial set up, each account will state Processing. After 2-3 business days, Processing will change to Verify Deposit. Click the Verify Deposit link and you will be able to delete the account.
Delta Community will send two small deposits, each under $1.00, to the external account you wish to activate in order to verify the external account information you have provided during set up. It will usually take 2 to 3 business days for the deposits to show up in your account. You will have to access the external account and record the amounts. Then login to your Delta Community account, select Transfers tab > A2A External Transfers > Verify Deposit and enter in the amounts to complete the A2A set up process.
Yes. When setting up a New Transfer within A2A transfer, select Frequency to choose from the recurring options available.
Another method available with Delta Community CU is to set up an ACH by completing the origination form, sign and fax it to our Payment Services Department at 404-677-4828 or 770-644-0131 or mail it to Delta Community Credit Union Department 930 P.O. Box 20541, Atlanta, GA. 30320-2541, Attention: Payment Services.
You may also request to send a Wire Transfer by phone. If you would like to send a wire, please have the complete wiring instructions from the other financial institution and call 404-715-4725 or submit a request within Online Banking by clicking on the Transfers tab and choosing the option for either a Domestic or International Wire Transfer. Wire transfers may require additional security, a return call from Delta Community to verify the information upon receipt of any request submitted online.
At this time you cannot use A2A to transfer money to an international account. Financial institutions in US territories can be setup for A2A only if they have an account with the Federal Reserve Bank.
Yes. You may have been contacted to verify that these transactions were authorized by you or your joint owner for this account. If you did not authorize or create the A2A external accounts please call Delta Community at 800-544-3328 immediately.
View the A2A External Account set-up instructions.
You may reapply at any time as long as any negative balances have been paid in full. Access the application.
On the Close Account form, you will complete a section that asks whether or not you have outstanding checks that need to clear. Any checks you list in this section will clear, assuming there are adequate available funds to cover them in your new Checking Account.
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. If this is the case, you will need to contact the merchant. If a check is presented in person to be cashed, you may receive a phone call for verification and if the situation warrants, the local police will be called.
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. As soon as you receive your new checking account number you will need to contact the company to give them your new information.
Yes. Direct deposits will continue to be posted to your account but you still need to advise your employer of the change. We will give you ample time to notify your employer/originator of your new account number.
If someone tries to get information without proper verification, no information would be given. If the call center staff is uncomfortable or suspicious of a call, the Loss Prevention staff is notified.
Yes, you can continue to use the same check/debit card for your checking account. No, generally you will not receive a new card and PIN. If there is no card fraud then there is no need to reissue a card or PIN for your new checking account. If you suspect someone has gotten access to your card information, please notify us immediately as we will need to take additional steps.
You will have access to your past statements; your recent and new transactions will be available under the new checking account.
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”.
*Visa’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.
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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.