Start Getting Rewarded!
- Refunds on ATM fees (up to $25 monthly) when Tier 1 qualifications are met
- No monthly service fee
- No minimum balance requirements
- Unlimited check writing and debit card purchases
- Online banking & bill pay
- Mobile and telephone banking
- Eligible to receive Direct Deposits
- Additional Checking Accounts available
- Overdraft Protection available
- Visa® debit card available
- $5 minimum deposit to open
Our Rewards Checking Account features three tiers of dividends on balances up to $25,000,
based on monthly qualifications:
|Tier 1 pays 0.50% APY* if a member:||Tier 2 pays 1.25% APY* if a member:||Tier 3 pays 3.00% APY* if a member:|
*Annual Percentage Yield; conditions and restrictions apply. Rates are subject to change.
**Excluding PIN and ATM based transactions.
Checking Account Overdraft Options
If you are trying to make a purchase but don’t have enough in your checking, Del-One can link one of your other Del-One accounts as an overdraft source. Rather than declining the transaction, we’ll move the funds to your checking and your transaction will still be paid.
There is a $5 fee per overdraft transfer.
Need More Than One Checking Account?
While each member can only hold a single Rewards Checking, members are able to open up to two additional Regular Checking accounts if needed. Regular Checking accounts have no minimum balances and no monthly fees. Unlike our Rewards Checking, Regular Checking accounts offer a flat rate of interest and are not eligible for ATM fee refunds.
If your checking account is eligible, Premium Overdraft Protection (POP) may cover your transactions:
Instead of returning an item to the affected merchant, Del-One may pay the item; thereby saving you an additional return item charge from the merchant as well as a non-sufficient funds fee from the credit union. The eligible account has up to 30 days to be brought current, either through direct deposit, transfer of funds, or in-person branch deposit.
A $25 fee will apply each time a check, ACH, recurring debit card transaction, or debit transfer is presented, or payment is otherwise requested. This privilege costs nothing unless an item is covered. If your checking account is eligible and you already have overdraft protection, POP will only be in effect if there are not enough funds in the overdraft account to cover an item.
No overdrafts, no declined transactions—just easy payments
With an Overdraft Line of Credit, your checking account is covered. Members can apply for a line of credit and, upon approval, will be granted a spending limit. Should a transaction come through on the checking account and funds are not available, Del-One will transfer funds from what is available in your line of credit to cover your transaction. Funds borrowed against the line of credit can be repaid in affordable monthly payments.
*Credit approval, terms, and rates based on credit worthiness and other factors.
Note: Loan products are not federally insured by NCUA