Delta Community SpendSafe Checking

Rate conditions

Balance needed for the APY

$0Source · checked Oct 10, 2026

Fees

Monthly fee

NoneSource · checked Oct 10, 2026

Ways to avoid the monthly fee

Pay no monthly maintenance fee until age 23.Source · checked Oct 10, 2026

Minimum to open

NoneSource · checked Oct 10, 2026

Overdraft fee

NoneSource · checked Oct 10, 2026

Returned item (NSF) fee

$15Source · checked Oct 10, 2026

ATM network

surcharge-free ATMsSource · checked Oct 10, 2026

Out-of-network ATM fee

$2Source · checked Oct 10, 2026

Incoming domestic wire

NoneSource · checked Oct 10, 2026

Outgoing domestic wire

$25Source · checked Oct 10, 2026

Outgoing international wire

$50Source · checked Oct 10, 2026

Inactivity fee

$5Source · checked Oct 10, 2026

Cashier’s check

$10Source · checked Oct 10, 2026

Who can open it

Membership

Membership required:

• Anyone living or working in the following metro Atlanta counties: Barrow, Butts, Cherokee, Clayton, Cobb, Coweta, DeKalb, Douglas, Fayette, Forsyth, Fulton, Gwinnett, Hall, Henry, Jackson, Newton, Paulding, Rockdale, Spalding, and Walton County, GA.
• Any current, former or retired employee of the listed companies.
• Any member of the listed associations.
• Anyone affiliated with a participating company, school or organization.

Source · checked Oct 10, 2026

Minimum age

13Source · checked Oct 10, 2026

Features

ATM fee rebatesBill payCash deposit ATMCheck writingContactless cardDebit cardJoint accountsMinor accountsMobile check depositMobile walletNo overdraft feesOnline openingSpending alertsZelle

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.