SpendSafe Checking Account^®

Helping You Build Confidence To Navigate Your Finances

SpendSafe Checking is perfect for teens or those who carry lower balances. It gives you the tools and benefits you need to manage your finances without the fear of overdrafting and incurring the associated fees.

Learn to manage your money without the fear of overdraft fees.
Avoid spending beyond your available funds and incurring overdraft fees. Purchases may be declined at the point of sale if there are insufficient funds in the account.
Check your balances, pay bills, transfer funds and much more using Online Banking and our Mobile App at your convenience.
Get cash, make deposits and more at one of our surcharge-free ATMs.
Pay no monthly maintenance fee until age 23.

Open an Account

See other Checking Accounts View SpendSafe Checking Disclosure Supplement

Our Checking Accounts make paying easy with
a Delta Community Visa^® Debit Card

You can use your Debit Card everywhere Visa is accepted, and the funds come directly from your Checking Account.

Use it in person, online or over the phone and to get cash at ATMs.
Your purchase activity will be shown in real time in Online Banking or our Mobile App and on your monthly account statement.
Visa’s Zero Liability Policy¹ protects you from unauthorized purchases.
Send money fast in just a few steps with Zelle^®2

It’s the smart, convenient and secure way to pay for all kinds of everyday purchases:

Gas
Groceries
Dining
Travel

Shopping
Bill payments
Online purchases
Streaming services

Subscription services
So much more

You can add your Debit Card to your digital wallet for an even easier way to pay!

Start enjoying the many benefits of your SpendSafe Checking Account.

Open an Account

You'll Find These Helpful

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 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.

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

If the college student is already a member of the Delta Community Credit Union, to apply for a Checking Account and Visa Debit Card, simply complete a Checking Account application. The member must be at least 13 years old to have a Checking Account. An adult joint owner is required until the member reaches age 18.

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.

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.

I am closing and reopening my Checking Account 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 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.

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

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.

I have my paycheck deposited to 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 staff is notified.

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

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.

I have received last months 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”.

¹Visa’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.

²Transactions 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^®.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.

SpendSafe Checking Account®

Our Checking Accounts make paying easy with a Delta Community Visa® Debit Card

You can add your Debit Card to your digital wallet for an even easier way to pay!

Start enjoying the many benefits of your SpendSafe Checking Account.

Related Articles

You'll Find These Helpful

Multiple Checking Accounts

Can I have more than one checking account?

Reapplying for a Checking Account

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

College Student Checking Account and Visa Debit Card

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

Inactive accounts and the accounts that are affected

What is an inactive account?

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

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

FAQs about Closing/Reopening your Checking Account

I am closing and reopening my Checking Account due to stolen checks but I have checks that have not cleared yet. Will these be returned?

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

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

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

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

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

Warning About Third-Party Sites

Warning About Email

EHL

Equal Housing Lender

NCUA

National Credit Union Administration, a U.S. Government Agency

SpendSafe Checking Account^®

Our Checking Accounts make paying easy with
a Delta Community Visa^® Debit Card