Free Checking Account Disclosure Supplement

Delta Community Credit Union
P.O. Box 20541
Atlanta, GA 30320-2541

Effective Date 11/1/24

This Disclosure Supplement is incorporated into and becomes part of your Member/Savings Services Disclosures and Agreements. The Disclosure Supplement discloses the current fees and terms on your Free Checking Account.

This account has no minimum opening deposit or minimum balance requirements.

Account Fee Schedule

Fee Type	Fee Details
Foreign Card Fee	1% of foreign transaction The Foreign Card Fee is assessed for any card transaction in a foreign currency or completed outside of the U.S., including internet transactions initiated in the U.S. with a merchant who processes the transaction in a foreign country.	Foreign Card Fee 1% of foreign transaction The Foreign Card Fee is assessed for any card transaction in a foreign currency or completed outside of the U.S., including internet transactions initiated in the U.S. with a merchant who processes the transaction in a foreign country.
Foreign Check Fee	1.5% of final exchange amount, minimum $30, maximum $500	Foreign Check Fee 1.5% of final exchange amount, minimum $20 (minimum $30, maximum $500 effective September 4, 2024)
Rush Delivery Fee (ACH)	$15.00	Rush Delivery Fee (ACH)e $9.95 ($15.00 effective September 4, 2024)
Rush Delivery Fee	$15.00 Weekday $30.00 Saturday	Rush Delivery Fee $15.00 Weekday $30.00 Saturday
Domestic Wire transfer	$25.00 per transfer out	Domestic Wire transfer $20.00 per transfer out ($25.00 effective September 4, 2024)
International Wire Transfer	$50.00 per outgoing transfer	International Wire Transfer $40.00 per outgoing transfer ($50.00 effective September 4, 2024)
Non-Sufficient Funds (NSF) Fees includes ACHs and Zelle transactions	$15.00 per presentment Note that you may be charged an NSF fee each time a check or ACH is presented to us, even if it was previously submitted and rejected.	Non-Sufficient Funds (NSF) Fees includes ACHs and Zelle transactions $15.00 per presentment Note that you may be charged an NSF fee each time a check or ACH is presented to us, even if it was previously submitted and rejected.
Official Check Withdrawal	$10.00	Official Check Withdrawal $5.00 ($10.00 effective September 4, 2024)
Check Printing Fee(s)	Pricing Varies	Check Printing Fee(s) Pricing Varies
Courtesy Pay Fees	$25.00 per item paid, including Zelle transactions	Courtesy Pay Fees $25.00 per item paid, including Zelle transactions
Copy of Paid Check, with trace # provided	$5 per check	Copy of Paid Check, with trace # provided $5 per check
Non-conforming Check	$12.00 per item	Non-conforming Check $12.00 per item
Stop Payment Order	$28.00 per item	Stop Payment Order $25.00 per item ($28.00 effective September 4, 2024)
Balancing Checking Account	$25.00 per month	Balancing Checking Account $25.00 per month
Copy of Past Statement	$3.00 per statement	Copy of Past Statement $3.00 per statement
Transaction History	$5.00 per request	Transaction History $5.00 per request
Account Research	$25.00 per hour; $.30 per copy	Account Research $25.00 per hour; $.30 per copy
Copy of IRS Form	$3.00 per form	Copy of IRS Form $3.00 per form
Outgoing Fax	$5.00 first 3 pages; $1.00 each additional page	Outgoing Fax $5.00 first 3 pages; $1.00 each additional page
Money Order	$5.00 per item	Money Order $5.00 per item
Overdraft Transfer Fee from Credit Accounts	$5.00 for each Overdraft Transfer from loans and Visa®.	Overdraft Transfer Fee from Credit Accounts $5.00 for each Overdraft Transfer from loans and Visa®.
Overdraft Transfer Fee from Deposit Accounts	$3.00 for each Overdraft Transfer from a share account (including savings or money market account).	Overdraft Transfer Fee from Deposit Accounts $3.00 for each Overdraft Transfer from a share account (including savings or money market account).
Non-Network ATM Fee	$2.00 per withdrawal transaction  Note that you will be charged a Non-Network ATM Fee for each withdrawal transaction made at a non-Delta Community or COOP network ATM, regardless of whether they occur within a single or multiple ATM session.	Non-Network ATM Fee $2.00 per withdrawal transaction Note that you will be charged a Non-Network ATM Fee for each withdrawal transaction made at a non-Delta Community or COOP network ATM, regardless of whether they occur within a single or multiple ATM session.

 

Account Disclosures

I. Nature of Dividends

This checking account does not pay dividends.

II. Compounding and Crediting

Minimum Balance Requirements
No minimum balance requirement for this checking account.

III. Fees

Fees that may be assessed against your accounts are set forth in the Account Fee Schedule.

In the event your account becomes inactive as described in the Savings Account Disclosure Supplement, you authorize the Credit Union to transfer funds from any deposit account to cover the fee(s) and close your membership if the balance of all deposit accounts is zero.

Federally insured by NCUA