Other Services

COURTESY PAY

ATTENTION MEMBERS: ACTION REQUIRED

Click Here to Watch the Overdraft Protection Video and See Why You Should Opt In for Courtesy Pay Today!

Overdraft Consent Message

Recent regulatory requirements now require members to sign a consent form to participate in overdraft protection (Courtesy Pay) plans for ATM and debit transactions. As you know Courtesy Pay protects your checking account when you don't have enough funds in your checking account to cover a retail transaction. Please note that you do not need to sign the form to continue Courtesy Pay for checks or ACH items.

To continue your Courtesy Pay privilege for ATM and debit transactions, please take one of the following steps:

• Click here for the Courtesy Pay Opt-In Form Online
• Click here for the Courtesy Pay Opt-In Form. Complete the form and fax it to member services at 214.545.5455, bring the completed form by your nearest branch, or mail to Member Services at Neighborhood Credit Union, P.O. Box 224444, Dallas, TX 75222-4444.
• Stop by your branch and complete the form there.
• Call our Member Service Center and we will mail or fax the form to you. You can then return the form to us via mail, fax (see number above), or at the branch.

We know Courtesy Pay is a convenient tool for many of our members and we appreciate you taking the time to complete the required form.

Protect your checking account with our Courtesy Pay service!

Sometimes things don't go as we plan, and that can mean not having enough funds in our checking account to cover a retail transaction. If that happens it can be embarrassing, not to mention costly, when it comes to merchant fees. To help members avoid this occasional problem, Neighborhood Credit Union offers Courtesy Pay. This value-added service covers you up to a limit of $1,000 for Advantage 50+ Checking , $900 for  Advantage Checking and $750 for  NCU Free Checking , Classic Checking, Student Checking and  GreenerGrass Checking accounts, when an account has insufficient funds to cover a transaction.

For your maximum convenience, in addition to checks, the program includes ATM transactions, Visa CheckCard Plus Debit Card transactions and automatic electronic payments (ACH).

The limit for Fresh Start Checking is $200. Fees for check and ACH electronic items are $30 per item. Fees for ATM/Visa CheckCard Plus Debit Card transactions are $17.50 per item.

Qualifications for Courtesy Pay

(with Advantage, Advantage 50 Plus, Classic, Express, FYI, Neighborhood Free Checking or Money Market)

• You must be a current Neighborhood CU member with a checking account that has been open for at least 30 days.
• You must be a member in good standing.
• Member must be 18 or older.
• Account may not be dormant.
• Must be a U.S. address on the account of record. No foreign addresses.
• Social Security Number must be valid.

Qualifications for Courtesy Pay

(with Fresh Start Checking)

• Direct deposit required.
• You must be a current Neighborhood CU member with a checking account that has been open for at least 30 days.
• You must be a member in good standing.
• Member must be 18 or older.
• Account may not be dormant.
• Must be a U.S. address on the account of record. No foreign addresses).
• Social Security Number must be valid.

For more information about this service, give us a call at 214.748.9393.

Revised Disclosure
EFFECTIVE JANUARY 1, 2009, PARAGRAPH 2 OF YOUR CHECKING ACCOUNT AGREEMENT WITH OVERDRAFT PAYMENT PROVISIONS WILL BE AMENDED WITH SUB-SECTION (C) AS FOLLOWS:
Courtesy Pay Program. If you are eligible in accordance with Credit Union policies, the Credit Union may choose to cover overdrafts in your checking account resulting from checks and other select electronic withdrawals, if no other means of overdraft protection is available as described in paragraphs 2(a) and (b). This program is referred to as Courtesy Pay. Such overdrafts shall subject your account to a paid overdraft fee as disclosed on the Fee Schedule on check, ACH electronic transactions, ATM and VISA Check Card transactions. For Advantage, Advantage 50 Plus, Classic, GreenerGrass, Teen and Neighborhood Free Checking accounts, overdrafts and related fees may not exceed a cumulative balance of $900 for Advantage Checking Accounts, $1,000 for Advantage 50 Plus Checking Accounts, $750 for all other checking accounts except Fresh Start at any time. For Fresh Start Checking Accounts, overdrafts and related fees may not exceed a cumulative balance of $200. Your account may not have a negative balance resulting from overdrafts and related fees for more than 30 calendar days; thus, you just deposit funds in your account or obtain an approved loan from the Credit Union to cover the full amount of any negative balance within 30 days from the date the account incurs a negative balance. Under this overdraft program, any account with a negative balance for more than 30 days will be subject to collection. The Credit Union may discontinue covering overdrafts at any time without notice.

INTERNATIONAL WIRE TRANSFERS

Neighborhood Credit Union offers international wires and international western wires. For more information, contact our Member Services Center at 214.748.9393.

DIRECTO A MEXICO       

Neighborhood Credit Union is a proud financial partner with Directo A Mexico. This convenient service provides members with a secure, affordable wire transfer service to any financial institute in Mexico for a flat rate of just $5, regardless of the amount being transferred. For more information, contact our Member Services Center at 214.748.9393.

SAFE DEPOSIT BOXES

Neighborhood Credit Union's safe deposit boxes are available at low annual costs and in a wide variety of sizes to meet your needs. Whether it's important papers like a will or trust, birth certificates, title deeds, heirloom jewelry, precious photography negatives or a lock of your baby's hair, a safe deposit box provides the ideal protection.

Safe deposit boxes are available at our Mesquite, North Dallas and Oak Cliff (Main) offices. To take advantage of this service, call or stop by any of these branch offices today. You can also call our Member Service Center at 214.748.9393 or 800.321.3728.

Below are sizes and annual rental fees.

TELEPHONE TELLER

Telephone Teller means one simple thing: 24-hour instant access to your Neighborhood Credit Union accounts via the telephone. Make inquiries, loan payments, loan advances and even transfer funds between your accounts. Call 214.742.3279 or 800.327.9863 and follow the instructions.

For complete instructions, download our Telephone Teller Brochure.

SHARED BRANCHING

Over 3,600 nationwide locations from which to do deposits and withdrawals in the lobby for no fee. Whether you are traveling or relocating to a new community, you can still have easy access to your Neighborhood Credit Union accounts. Find the location nearest to you by clicking here .

Please note - ATM transactions at shared branching locations may still be assessed a fee. Check with individual shared branching locations for details.

DIRECT DEPOSIT

Tired of the hassle and worry of waiting on your paycheck or government check to come in? Consider direct deposit with Neighborhood Credit Union!

You can authorize your employer or the government to directly deposit your funds into the Neighborhood Credit Union accounts of your choice. Some to savings, some to checking and some to your Christmas Club account? No problem! Just tell us how much and where, and we'll take care of the rest!

For your convenience, below is our routing number and mailing address information:

Routing Number: 311079270
Mailing address: P.O. Box 224444, Dallas, TX 75222

GO DIRECT

Still getting Social Security or SSI checks? Switch to direct deposit-the benefits are clear.

• It's safer - Direct deposit eliminates check fraud and helps protect against identity theft.
• It's easier - You don't have to leave home to cash or deposit your check.
• It gives you more control - No more waiting, you have immediate access to your money on payment day.

Switching to direct deposit takes only a few minutes. Call (800)333-1795 or visit www.GoDirect.org.