What is an official check?
An official check is a check that provides for the transfer of money with the payee being guaranteed payment. All members are eligible to request an official check. The official checks can be issued from your Savings, Checking or Money Market Accounts, or a Line of Credit (if issuing from a Visa, a cash advance must be completed). Click here to view the official check fee.
How can I request an official check?
Options to request an official check include:
- In person at a Delta Community branch.
- Via fax request to the Operations Support Advisors at 404-677-4781 (include account number and signature on any written request).
- Secure Email via Online Banking and our Mobile App.
To request the check be made payable to a different payee, mailed to a different address or be sent overnight, Delta Community will need the amount, payee name and address the check should be mailed to (Delta Community branches can accept member’s fax requests to have an Official Check issued to a non-member).
- For a check to be sent overnight, there is a $15 fee or $35 fee for Saturday delivery.
- Official check withdrawals are processed the same day as long as the request is received by 4:00 pm EST. If the request is received after that, the check will be processed the following business day.
How can I place a stop payment on an official check?
If an official check is lost, stolen, or destroyed, a stop payment can be placed a minimum of 10 business days after the check was processed. If you received the check and then lost it, there is a fee to place a stop payment and an affidavit will need to be completed. A stop payment cannot be placed on an official check for any other reason (such as if you change your mind about giving it to the payee) and the Credit Union must honor an official check when it is presented for payment.
Do official checks expire?
Official checks will expire after 5 years from the issue date. However, if an Official Check is not cashed after five (5) years, Delta Community is required to escheat (revert) the check funds to the state where the account is based.
- If you have an escheated check, provide Delta Community with the check number, name of the payee or the amount. Once the check number is located, the check then may be able to be researched for escheatment purposes.
What is the difference between a cashier's check & official check
