SpendSafe Checking®

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.

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”.

What are A2A External Account Transfers?

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

What is the ACH Network?

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:

Log in to your Delta Community account
Select the Transfer tab
Select A2A External Transfers
Select Create a New Transfer link
Enter the following information:
- From (Please verify transferring from correct account in drop-down box)
- To (Please verify transferring to correct account in drop-down box)
- Next Transfer Date (First eligible transfer date if scheduled before 12 pm ET is the next business day. If after 12 pm ET, it is the 2nd business day.)
- Amount
- Frequency (transfers can be setup as a one-time or on a recurring basis)
Select Submit
Review your information
Select Add Transfer
- Cancel if you find that the information is incorrect and then start the transfer process over

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.

How safe is A2A?

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.

Is there a fee for A2A?

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.

How can I edit or cancel a pending A2A transfer?

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.

Can I use A2A to pay on a loan that I have with another financial institution?

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.

How long does it take to process an A2A transaction?

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.

How do I cancel an A2A External account or my A2A services?

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).

Will the Credit Union refund fees or charges I accrue from my other financial institution if I make a mistake using A2A?

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.

I made a mistake setting up my external account in A2A, what should I do?

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.

What is the purpose of the two small initial deposits to my 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.

Can I have money withdrawn from my account at another institution and transferred to Delta Community on a scheduled basis?

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.

Can I use A2A to transfer money to my international Checking or Savings Account(s)?

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.

I received a phone call or message asking about my newly set up A2A external accounts. Do I need to call back?

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.

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.