Fees

Debit Card and ATM Fees

Fee Type	Amount
Annual Fee	$0.00	Fee Type: Annual Fee Amount: $0.00
ATM Withdrawals - Delta Community owned machines	$0.00	Fee Type: ATM Withdrawals - Delta Community owned machines Amount: $0.00
Card Replacement	$0.00/card	Fee Type: Card Replacement Amount: $0.00/card
Foreign Card Fee 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.	1% of foreign transaction	Fee Type: Foreign Card Fee Amount: 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.
Rush Delivery	$15.00 M-F, $30.00 Sat.	Fee Type: Rush Delivery Amount: $15.00 M-F, $30.00 Sat.
Additional Card	$0.00/card	Fee Type: Additional Card Amount: $0.00/card
Non-Network ATM Fee Note that you will be charged a Non-Network ATM Fee for each withdrawal transaction made at a non-Delta Community or Co-op network ATM, regardless of whether they occur within a single or multiple ATM session.	$2.00 per transaction	Fee Type: Non-Network ATM Fee Amount: $2.00 per transaction Note that you will be charged a Non-Network ATM Fee for each withdrawal transaction made at a non-Delta Community or Co-op network ATM, regardless of whether they occur within a single or multiple ATM session.

Checking Account (Consumer)

Fee Type	Amount
Monthly Fee	Pricing Varies	Fee Type: Monthly Fee Amount: Pricing Varies
Per Check Charge	$0.00	Fee Type: Per Check Charge Amount: $0.00
Overdraft Transfer from Credit Accounts	$5.00	Fee Type: Overdraft Transfer from Credit Accounts Amount: $5.00
Overdraft Transfer from Deposit Accounts	$3.00	Fee Type: Overdraft Transfer from Deposit Accounts Amount: $3.00
Stop Payment Fee (ACH, Bill Pay, Check or Zelle)	$28.00 each	Fee Type: Stop Payment Fee (ACH, Bill Pay, Check or Zelle) Amount: $28.00 each
Non-Sufficient Funds (NSF) Fee (includes ACH overdraft) 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.	$15.00 per presentment	Fee Type: Non-Sufficient Funds (NSF) Fee (includes ACH overdraft) Amount: $15.00 per presentment 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.
Copy of Paid Check (trace # provided)	$5.00 each	Fee Type: Copy of Paid Check (trace # provided) Amount: $5.00 each
Balancing Checking Account	$25.00/month	Fee Type: Balancing Checking Account Amount: $25.00/month
Check Printing (per box of 120 checks)	Pricing Varies	Fee Type: Check Printing (per box of 120 checks) Amount: Pricing Varies
Transaction History	$5.00/request	Fee Type: Transaction History Amount: $5.00/request
Account Research	$25.00 per hour; $.30 per page copied	Fee Type: Account Research Amount: $25.00 per hour; $.30 per page copied
Courtesy Pay Fee	$25.00 per item paid	Fee Type: Courtesy Pay Fee Amount: $25.00 per item paid
Foreign Card Fee 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.	1% of foreign transaction	Fee Type: Foreign Card Fee Amount: 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.
Non-Network ATM Fee Note that you will be charged a Non-Network ATM Fee for each withdrawal transaction made at a non-Delta Community or Co-op network ATM, regardless of whether they occur within a single or multiple ATM session.	$2.00 per transaction	Fee Type: Non-Network ATM Fee Amount: $2.00 per transaction Note that you will be charged a Non-Network ATM Fee for each withdrawal transaction made at a non-Delta Community or Co-op network ATM, regardless of whether they occur within a single or multiple ATM session.

IRA Fees

Fee Type	Amount
Annual Fee	$0.00	Fee Type: Annual Fee Amount: $0.00
Institutional Transfer Out (after 1 free yearly)	$25.00 each	Fee Type: Institutional Transfer Out (after 1 free yearly) Amount: $25.00 each

Loan Fees

Fee Type	Amount
Late Payment Fee for Consumer Loans	$25.00 per month late	Fee Type: Late Payment Fee for Consumer Loans Amount: $25.00 per month late
NSF for Returned Loan Payment, Personal Line of Credit Check or ACH	$25.00	Fee Type: NSF for Returned Loan Payment, Personal Line of Credit Check or ACH Amount: $25.00
Pay by Phone Loan Payment Transfer from a non-Delta Community account	$8.00	Fee Type: Pay by Phone Loan Payment Transfer from a non-Delta Community account Amount: $8.00

Money Market Account

Fee Type	Amount
Monthly Fee	$0.00	Fee Type: Monthly Fee Amount: $0.00
Per Check Charge	$0.00	Fee Type: Per Check Charge Amount: $0.00
Non-Sufficient Funds (NSF) Fee (includes ACH overdraft) 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.	$15.00 per presentment	Fee Type: Non-Sufficient Funds (NSF) Fee (includes ACH overdraft) Amount: $15.00 per presentment 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.
Stop Payment (ACH, Bill Pay, Check or Zelle)	$28.00 each	Fee Type: Stop Payment (ACH, Bill Pay, Check or Zelle) Amount: $28.00 each
Copy of Paid Check (trace # provided)	$5.00 each	Fee Type: Copy of Paid Check (trace # provided) Amount: $5.00 each
Balancing Checking Account	$25.00 month	Fee Type: Balancing Checking Account Amount: $25.00 month
Check Printing (per box of 40 checks)	Pricing Varies	Fee Type: Check Printing (per box of 40 checks) Amount: Pricing Varies
Overdraft Transfer from Deposit Accounts	$3.00	Fee Type: Overdraft Transfer from Deposit Accounts Amount: $3.00
Transaction History	$5.00/request	Fee Type: Transaction History Amount: $5.00/request
Account Research	$25.00 per hour; $.30 per page copied	Fee Type: Account Research Amount: $25.00 per hour; $.30 per page copied
Foreign Card Fee 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.	1% of foreign transaction	Fee Type: Foreign Card Fee Amount: 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.
Non-Network ATM Fee Note that you will be charged a Non-Network ATM Fee for each withdrawal transaction made at a non-Delta Community or Co-op network ATM, regardless of whether they occur within a single or multiple ATM session.	$2.00 per transaction	Fee Type: Non-Network ATM Fee Amount: $2.00 per transaction Note that you will be charged a Non-Network ATM Fee for each withdrawal transaction made at a non-Delta Community or Co-op network ATM, regardless of whether they occur within a single or multiple ATM session.

Money Orders and Official Checks

Fee Type	Amount
Money Order	$5.00 per item	Fee Type: Money Order Amount: $5.00 per item
Official Check Withdrawal	$10.00 per item	Fee Type: Official Check Withdrawal Amount: $10.00 per item

Bill Pay Fees

Fee Type	Amount
Monthly Fee	$0.00	Fee Type: Monthly Fee Amount: $0.00
Stop Payment (ACH or Check)	$28.00 each	Fee Type: Stop Payment (ACH or Check) Amount: $28.00 each
Rush Delivery Fee (ACH)	$15.00	Fee Type: Rush Delivery Fee (ACH) Amount: $15.00

Savings Account

Fee Type	Amount
Monthly Fee	$0.00	Fee Type: Monthly Fee Amount: $0.00
Overdraft Transfer from Deposit Accounts	$3.00	Fee Type: Overdraft Transfer from Deposit Accounts Amount: $3.00
Non-Sufficient Funds (NSF) Fee (includes ACH overdraft) 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.	$15.00 per presentment	Fee Type: Non-Sufficient Funds (NSF) Fee (includes ACH overdraft) Amount: $15.00 per presentment 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.
Inactive Account Fee or Low Balance Fee If the total of your combined account balances (deposit and loan) falls below $60 and you have not made any transactions for six (6) months to any of your accounts (deposit and loan), we will classify your account as inactive and may impose an inactive fee.	$5.00 per month/$0.00 for account owners under 18 years of age	Fee Type: Inactive Account Fee or Low Balance Fee Amount: $5.00 per month/$0.00 for account owners under 18 years of age If the total of your combined account balances (deposit and loan) falls below $60 and you have not made any transactions for six (6) months to any of your accounts (deposit and loan), we will classify your account as inactive and may impose an inactive fee.
Non-Network ATM Fee Note that you will be charged a Non-Network ATM Fee for each withdrawal transaction made at a non-Delta Community or Co-op network ATM, regardless of whether they occur within a single or multiple ATM session.	$2.00 per transaction	Fee Type: Non-Network ATM Fee Amount: $2.00 per transaction Note that you will be charged a Non-Network ATM Fee for each withdrawal transaction made at a non-Delta Community or Co-op network ATM, regardless of whether they occur within a single or multiple ATM session.

Visa Consumer Credit Cards

Fee Type	Amount
Annual Fee	$0.00	Fee Type: Annual Fee Amount: $0.00
Copy of Visa Statement	$3.00 each	Fee Type: Copy of Visa Statement Amount: $3.00 each
Cash Advance Fee Does not apply to balance transfers or overdraft protection.	$6.00	Fee Type: Cash Advance Fee Amount: $6.00 Does not apply to balance transfers or overdraft protection.
Stop Payment	$15.00	Fee Type: Stop Payment Amount: $15.00
Late Fee	Up to $25.00	Fee Type: Late Fee Amount: Up to $25.00
Returned Payment Fee	Up to $25.00	Fee Type: Returned Payment Fee Amount: Up to $25.00
Foreign Transaction Fee The Foreign Transaction 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.	1% of foreign transaction	Fee Type: Foreign Transaction Fee Amount: 1% of foreign transaction The Foreign Transaction 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.

Visa Business Credit Cards

Fee Type	Amount
Annual Fee	$0.00	Fee Type: Annual Fee Amount: $0.00
Cash Advance Transaction Fee	3% or $5.00 minimum and $100.00 maximum	Fee Type: Cash Advance Transaction Fee Amount: 3% or $5.00 minimum and $100.00 maximum
Late Payment Fee (balances $10.01 - $1,000.00)	$15.00	Fee Type: Late Payment Fee (balances $10.01 - $1,000.00) Amount: $15.00
Late Payment Fee (balances $1,000.01 - $20,000.00)	$25.00	Fee Type: Late Payment Fee (balances $1,000.01 - $20,000.00) Amount: $25.00
Late Payment Fee (balances $20,000.01 and above)	$40.00	Fee Type: Late Payment Fee (balances $20,000.01 and above) Amount: $40.00
Over the Limit Fee	$25.00	Fee Type: Over the Limit Fee Amount: $25.00
Foreign Transaction Fee The Foreign Transaction 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.	1% of foreign transaction	Fee Type: Foreign Transaction Fee Amount: 1% of foreign transaction The Foreign Transaction 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.
NSF for Returned Checks or ACH	$20.00	Fee Type: NSF for Returned Checks or ACH Amount: $20.00
Stop Payment	$25.00	Fee Type: Stop Payment Amount: $25.00
Rush Delivery	$15.00 M-F, $30.00 Sat.	Fee Type: Rush Delivery Amount: $15.00 M-F, $30.00 Sat.
Statement Copy Fee	$3.00 per statement	Fee Type: Statement Copy Fee Amount: $3.00 per statement
Visa Business Platinum Rewards Credit Card Fees	See Disclosure	Fee Type: Visa Business Platinum Rewards Credit Card Fees Amount: See Disclosure

Business Deposit Account Fees

Fee Type	Amount
Business Account Cash Deposits¹	$3.00 per $1,000.00	Fee Type: Business Account Cash Deposits¹ Amount: $3.00 per $1,000.00
Business Account Cash Orders²	$3.00 per $1,000.00	Fee Type: Business Account Cash Orders² Amount: $3.00 per $1,000.00
Business Value Checking Service Fee³	$5.00 per month	Fee Type: Business Value Checking Service Fee³ Amount: $5.00 per month
Business Value Checking Analysis Fee	$0.15 per item over 100 items	Fee Type: Business Value Checking Analysis Fee Amount: $0.15 per item over 100 items
Business Checking Service Fee³	$10.00 per month	Fee Type: Business Checking Service Fee³ Amount: $10.00 per month
Business Checking Analysis Fee	$0.25 per item over 500 items	Fee Type: Business Checking Analysis Fee Amount: $0.25 per item over 500 items
Business Remote Deposit Capture Fee	Request Application and Disclosure	Fee Type: Business Remote Deposit Capture Fee Amount: Request Application and Disclosure
Additional Notes ¹Rounded down to the nearest $1,000.00 in deposits that exceed the first $10,000.00. ²Rounded down to the nearest $1,000.00. ³If, during any month, your average daily balance falls below $500.00 on a Value Checking, or $750.00 on a Business Checking, your account will be subject to the Account’s Service Fee for that month.		Fee Type: Additional Notes Amount: ¹Rounded down to the nearest $1,000.00 in deposits that exceed the first $10,000.00. ²Rounded down to the nearest $1,000.00. ³If, during any month, your average daily balance falls below $500.00 on a Value Checking, or $750.00 on a Business Checking, your account will be subject to the Account’s Service Fee for that month.

Other Fees

Fee Type	Amount
Copy of Statement	$3.00 each	Fee Type: Copy of Statement Amount: $3.00 each
Direct Deposit	$0.00	Fee Type: Direct Deposit Amount: $0.00
Interactive Voice Response (IVR)	$0.00	Fee Type: Interactive Voice Response (IVR) Amount: $0.00
Domestic Wire Transfer - Outgoing	$25.00	Fee Type: Domestic Wire Transfer - Outgoing Amount: $25.00
International Wire Transfer - Outgoing	$50.00	Fee Type: International Wire Transfer - Outgoing Amount: $50.00
Wire Transfer - Incoming (International and Domestic)	$0.00	Fee Type: Wire Transfer - Incoming (International and Domestic) Amount: $0.00
Fax - Outgoing (first 3 pages) Each additional faxed page is $1.00.	$5.00	Fee Type: Fax - Outgoing (first 3 pages) Amount: $5.00 Each additional faxed page is $1.00.
Copy of IRS Form	$3.00/form	Fee Type: Copy of IRS Form Amount: $3.00/form
Court Order Processing Fee	$50.00	Fee Type: Court Order Processing Fee Amount: $50.00
Foreign Check Fee	1.5% of final exchange amount, minimum $30.00, maximum $500.00	Fee Type: Foreign Check Fee Amount: 1.5% of final exchange amount, minimum $30.00, maximum $500.00
Coin Machine Fee	3% fee for daily transactions that exceed $250.00	Fee Type: Coin Machine Fee Amount: 3% fee for daily transactions that exceed $250.00
Medallion Signature Guarantee Medallion services available to Delta Community members only.	$25.00 after first 5 per calendar year	Fee Type: Medallion Signature Guarantee Amount: $25.00 after first 5 per calendar year Medallion services available to Delta Community members only.