Can I have more than one checking account?

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.

We now offer three options designed for our member’s unique financial needs: Free Checking, Interest Checking and SpendSafe Checking®.
To find the Checking Accounts that are the right choice for you, visit Personal Checking Accounts.

I am changing my Checking Account Number due to stolen checks, but I have checks that have not cleared yet. Will these be returned?

On the Close Account form, you will complete a section that asks whether you have outstanding checks that need to post. Any checks you list in this section will be posted, assuming there are funds available 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.

I have companies that automatically debit my account. Will those items be paid?

As with the outstanding checks, you will list any ACH or automatic debits on the form and we will know to allow these items to post. As soon as you receive your new checking account number you will need to contact the company to give them the new account information.

I have my paycheck deposited into this account. Do I need to advise my employer of my new checking account number?

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.

Will I be contacted if anyone tries to access my account information?

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 Team is notified.

Can I continue to use my debit card during the process? Will I be receiving a new card and PIN?

Yes, you can continue to use the same debit card for your checking account. No, 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.

I have received last month's statement but will I be able to recall my account history for the last 15 days or so?

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”.

I lost my Checking Account due to too many NSFs. When can I re-apply for a new Checking Account with the credit union?

You may reapply at any time as long as any negative balances have been paid in full. Access the application.

We now offer three options designed for our member’s unique financial needs: Free Checking, Interest Checking and SpendSafe Checking®.
To find the Checking Accounts that are right for you, visit Personal Checking Accounts.

What is an inactive 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.

• Accounts owned by members 17 years old and younger, are not subject to becoming inactive. Once they turn 18, they will be subject to the current inactive criteria and fee.
• Inactive accounts are charged a $5 monthly service charge until the account reaches a zero balance and is closed or until the account has activity
• If the member has an active loan, the account will not reach an inactive status, regardless of the amount on deposit.
• IRAs are not subject to the inactive account status
• An account becomes subject to Georgia's Escheatment process (unclaimed property laws) after 5 consecutive years of inactivity regardless of the dollar amount in the account. Notification will be sent to members whose accounts are eligible for escheatment.

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.

How can I avoid my account changing to an inactive status?

• Maintaining a balance of at least $60 regardless of the number of transactions
• Conducting at least one transaction every 6 months (this can be a transfer from one share to another, withdrawal, and or deposit)
• Having an active loan(s) such as a Visa credit card

How do I reopen an account that closed due to inactivity?

To reopen an account closed by inactivity, the primary member can reapply online or with a signed membership application.

How can a college student obtain a Checking Account and Visa® Debit Card?

The Delta Community Visa Debit Card gives you the protection of Visa and easy access to your funds at thousands of ATM’s throughout the country. Credit Union and ATM locations convenient to you.

If the college student is not an existing member, Membership can be applied for online.