Personal Checking
Our most popular account for everyday banking. Enjoy the freedom of unlimited check writing and easy access to your money anytime.
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No monthly maintenance fee when you maintain a $100 minimum balance
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$15 fee if your balance falls below $100
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Includes Direct Deposit, Automatic Transfers, and Debit Card access
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Minimum opening deposit: $100
Easy Pay Checking
Simplify your finances with direct deposit and enjoy stress-free banking.
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Waive the $15 monthly service charge when your payroll is directly deposited
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No minimum balance requirement
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Unlimited check writing and Debit Card access
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Ideal for professionals who want convenience and control
55+ Checking
Designed for members age 55 and over, this account combines ease and flexibility with great value.
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No monthly maintenance fees
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No minimum balance requirement
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Unlimited check writing, Direct Deposit, Automatic Transfers, and Debit Card access
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First order of checks is free
Freedom Checking
Get more from your money with our Freedom Checking Account.
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Maintain a $2,000 combined daily balance in your linked Freedom Checking and Savings accounts to avoid the $15 monthly fee
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Enjoy unlimited fee-free ATM withdrawals at Delta Trust and partner ATMs
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Free money orders and cashier’s checks
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Reduced loan rates on select products
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50% discount on safe deposit box rentals
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First order of checks is free
Freedom NOW Checking
Experience all the benefits of Freedom Checking, plus the advantage of earning competitive interest.
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Maintain a $3,000 combined daily balance to avoid a $15 monthly fee
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Earn interest when your balance stays above $1,000
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Unlimited fee-free ATM withdrawals, reduced loan rates, free checks, and discounted safe deposit rentals
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Ideal for members who keep higher balances and want their money to grow
Choice Checking
Combine the flexibility of checking with the growth potential of interest earnings.
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Minimum opening deposit: $10,000
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Balances under $10,000 incur a $20 monthly maintenance fee
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Unlimited check writing and competitive interest rates
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Perfect for members who want convenience, flexibility, and high returns
NOW Checking
Earn interest while maintaining full access to your funds.
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Minimum opening deposit: $1,000
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Maintain $1,000 balance to earn interest
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$15 monthly fee if balance falls below $1,000
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Includes Direct Deposit and Debit Card access
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Unlimited check writing
Basic Checking
A simple, affordable account for light check users.
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Monthly maintenance fee: $3
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Minimum opening deposit: $50
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No minimum balance requirement
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8 free checks per month, then $0.50 per additional check
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Includes Direct Deposit, Automatic Transfers, and Debit Card access
Student Checking
A flexible account designed for students ages 16–23.
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Minimum opening deposit: $25
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No monthly service fee
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Free Visa® Debit Card
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Free Online & Mobile Banking, Bill Pay, and eStatements
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Unlimited check writing
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First order of checks free
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Free ATM transactions at Delta Trust ATMs
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Rewards Program available through UChoose Rewards®
Students under 18 must open the account with a parent or guardian and present proof of enrollment (school ID, transcript, or acceptance letter). At age 24, a $100 minimum balance is required to avoid a $15 monthly service fee.
Debit Cards
Access your money anytime, anywhere with the Delta Trust Debit Card.
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Accepted at millions of locations worldwide
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Make purchases, get cash, check balances, and make transfers with ease
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All transactions appear on your monthly statement for easy tracking
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Text Fraud Alerts help monitor suspicious activity instantly
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24/7 Debit Card Support: Call +1 (617) 575-9129 for live assistance
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Enjoy UChoose Rewards® and Card Valet® for spending control and perks
Money Market Accounts
Earn higher interest while maintaining access to your funds.
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Competitive market rates
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Unlimited check writing, withdrawals, and transfers
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No service charge with a $1,000 minimum daily balance
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Ideal for saving with flexibility