Personal Checking

Personal Checking


Unless otherwise noted, the minimum deposit to open a Delta Bank checking account is $100.00.

DELTA REWARDS CHECKING

A special package of benefits available for one low monthly fee (includes discounts on Identity Theft and Accidental Death Insurance, and many more benefits).

  • No Minimum Balance Required
  • Free Debit Cards1
  • First Order of Rewards Checks Free
  • Set Monthly Service Fee
  • Unlimited Check Writing
  • Interest paid automatically when balance is $1,000.00 or greater
  • .25% Bonus Rate on Consumer Certificates of Deposit2
  • .25% rate reduction of standard rate issued upon request from Delta Rewards member at loan inception on approved credit for loans with a maturity of five (5) years or less. Open End Lines of Credit and loans secured by Certificates of Deposit, Savings Accounts, Stocks and Securities are not eligible for discount.

1Some restrictions may apply.

2Bonus rate of .25% over prevailing rates paid upon request of Delta Rewards member for the term of the CD.

- Monthly service fee based on insurance purchased
- $10,000 accidental death insurance $7.00
- $20,000 accidental death insurance $8.00
- $30,000 accidental death insurance $9.00

Insurance Disclosure: The insurance offered is not a deposit, not FDIC insured, not an obligation of or guaranteed by the financial institution or an affiliate, and not insured by any agency of the U.S.

Delta Rewards Checking Benefits

DELTA UNLIMITED CHECKING

Unlimited check writing with no fees if minimum balance is maintained.

- Maintain a minimum balance of $800.00 and pay no monthly service fee
- Monthly service fee of $7.00 if minimum balance falls below $800.00 (with e-statements). Service Fee increased by $2.00 if you receive paper statements
- Unlimited check writing
- Unlimited electronic transactions


DELTA PLUS CHECKING

Basic checking account with limited check writing and no balance requirement.

- No minimum balance required
- Low monthly service fee of $3.00 (with e-statements). Service Fee increased by $2.00 if you receive paper statements
- First fifteen debit items free
- $.25 for each debit item over 15


DELTA PLUS STUDENT CHECKING

Age 18-24

- (Regular Delta Plus Checking monthly service fees apply upon the customer’s 25th birthday)
- Basic checking account with no monthly service fees
- No minimum balance required
- Unlimited check writing
- Unlimited electronic transactions


DELTA PLUS SENIOR CHECKING

Age 62+

- Basic checking account with no monthly service fees
- No minimum balance required
- Unlimited check writing
- Unlimited electronic transactions


DELTA INTEREST CHECKING

An interest-bearing checking account for individuals who maintain a higher balance.

- Minimum deposit to open $1,500.00
- Maintain a minimum balance of $1,500.00 and pay no monthly service fee
- Monthly service fee of $8.00 if minimum balance falls below $1,500.00 (with e-statements). Service Fee increased by $2.00 if you receive paper statements
- Earn interest on entire balance (interest compounded and paid monthly on daily collected balance)
- Unlimited check writing
- Unlimited electronic transactions


DELTA MONEY MARKET

A higher yielding, low activity account with tiered interest rates for individuals and businesses.

- Minimum deposit to open $2,500.00
- Maintain a minimum balance of $2,500.00 and pay no monthly service fee
- Monthly service fee of $10.00 if minimum balance below $2,500.00

$10.00 for each withdrawal in excess of six. Tiered interest rate (interest compounded and paid monthly on daily collected balance). Available to individuals or businesses.


Restricted Transactions: Federal regulations apply to Savings Accounts and Money Market Accounts. You may make no more than six preauthorized withdrawals, automatic telephone transfers, computer transfers or other similar transactions from your account per statement cycle. Excessive transactions may require us to change the account to a transaction type account that will reduce earnings.