SpendSafe Checking® Account Disclosure Supplement

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

Effective Date 10/1/24

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 SpendSafe Checking® Account.

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

Account Fee Schedule

Fee TypeFee Details
Maintenance Fee$8.00 per month (waived for primary account owners under age 23)
Maintenance Fee
$8.00 per month (waived for primary account owners under age 23)
Foreign Card Fee1% 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 Fee1.5% 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)
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
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
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. Balance Information

Minimum Balance Requirements
There is 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.

IV. Transaction Limitations

Courtesy Pay is not available on the SpendSafe Checking® Account. Check writing is not available on this account.

Federally insured by NCUA