Checking
Checking Account Options
Advantage Checking and Advantage 50+ Checking
Neighborhood Credit Union understands that as a credit union member, you want to get the most out of your checking account. That is why we offer the Advantage Checking and Advantage 50 Plus Checking accounts. These checking accounts offer the best services and value for your money.
- Discounted rate on auto loans
- Up to $900 Courtesy Pay limit
- My GetAway free trip on us! Hotel accommodations for three days and two nights
- Payment Card Protection
- Bonus Travel: Arrange your travel plans toll-free, 24 hours a day and get discounts on lodging, airline travel, car rentals, cruises and packaged vacations.
- $10,000 accidental death insurance
- No minimum balance required
- Dividends earned on average daily balances of $500 and over
- First starter package of checks free
- Savers Club Book of discounts
- Overdraft Protection available
- Nominal monthly service fee (Fee waived for $5000 average daily balance).
The Advantage 50 Plus account is specifically designed for our members age 50 and over. This account includes all the Advantage Checking benefits listed above plus:
- Up to $1,000 Courtesy Pay limit
- $150,000 common carrier coverage
- Rx Advantage Prescription Drug Program
- Coast to Coast Vision Plan
- Discount Diabetes supplies
Classic Checking
- Dividends earned on average daily balances of $500 and over
- No monthly service fee when a $500 average daily balance is maintained.
- Overdraft Protection available
Neighborhood Free Checking
- No minimum balance
- No monthly fee
- Overdraft Protection available
Fresh Start Checking
- Available to members who do not qualify for other checking accounts due to one or two adverse records with other financial institutions. Qualifying restrictions apply.
- No minimum balance
- Courtesy Pay*
- Monthly service fee applies
- After six months of satisfactory account history and completion of the BALANCE Checking and Money Management Courses, you are eligible for other Neighborhood Credit Union checking accounts.
Click here for the BALANCE Checking and Money Managment Online Courses
*Courtesy Pay is available to qualified members after 30 days. Fresh Start Courtesy Pay limit is $200. Direct Deposit is required for Fresh Start Courtesy Pay. Applicable fees will apply. See Fee Schedule.
Second Start Checking
- For those who may have multiple records in the past on their checking account, our Second Start Checking account offers you a new opportunity for a checking account. Courtesy Pay is not available on this account.
- No minimum balance
- After six months of activity with no NFSs and completion of the BALANCE Checking and Money Management Courses, you are able to move into any of Neighborhood Credit Union other checking account options. This is a great chance at a Second Start!
- Qualifying restrictions apply.
Requirements to open a checking account:
Credit union membership (at least $25.00 in a Neighborhood savings account)
Photocopy of valid driver's license or Texas Identification Card
Current pay stub
Checking minimum deposit
To request a Visa CheckCard Plus, please contact Member Services at 214.748.9393 or 800.321.3728.
