Neighborhood Credit Union

Fresh Start Checking Accounts Neighborhood Credit Union Dallas

Fresh Start Checking Accounts Neighborhood Credit Union Dallas

World-Class Service. Neighborhood Convenience.

Fresh Start Checking Account in Dallas Texas

Fresh Start Account Details

  • Available for those who have had closures at other financial institutions
  • $20 monthly service fee
  • Courtesy Pay up to $200 6
  • Opening deposit minimum: $25

How it Works

To be eligible to convert your Fresh Start to another Neighborhood Credit Union Checking account complete the following:
  • Six (6) months of satisfactory account history
  • AND completion of the online CheckRight educational workshop and quiz with a passing grade of 16 out of 20

CheckRight Workshop

  • An online, self-study program that allows you to learn at your own pace and test your knowledge on checking accounts
  • After passing the quiz (score of 16 out of 20), contact us to assist you in converting your checking account
  • Ready to take the quiz? Click here to start

Choose the account that’s right for you:


Online and Mobile Banking Neighborhood Credit Union Dallas


Kasasa® Cash Kasasa® Tunes Choice Fresh Start
Monthly Service Fees Free Free $10.50 5 $20
Minimum Opening Deposit $100 $25 $25 $25
Nationwide ATM Withdrawal
Fee Refunds 3
icon icon
High Yield Interest Up to 2.50% APY 2
Online & Mobile Banking icon icon icon icon
Get Cash Back Rewards icon icon icon icon
iTunes® / Amazon® Rewards Up to $5 in monthly refund credits 4
Merchant Rewards icon
Identity Theft Protection icon
Compare Checking Accounts at Neighborhood Credit Union


Online Banking MyNCU Mobile App Neighborhood Credit Union Dallas

All Neighborhood Credit Union checking accounts feature:

Biometric Security MyNCU Mobile App Neighborhood Credit Union Dallas


Biometric Security

Log in to the MyNCU Mobile app using your eyes with Eyeprint ID®, or use your fingerprints for Android Fingerprint or Apple Touch ID®.
Mobile Deposit MyNCU App Neighborhood Credit Union Dallas


Mobile Deposit

Conveniently deposit your check through your MyNCU Mobile App with the click of a button.
PopMoney MyNCU App Neighborhood Credit Union Dallas



Sending money is as easy as sending a text message or email.

Allpoint Surcharge-Free ATM Network Neighborhood Credit Union Dallas


Surcharge-Free ATMs

The Allpoint ATM Network allows our members the ability to withdraw cash at over 50,000 ATMs nationwide without charging an ATM fee
Co-Op Shared Branching Neighborhood Credit Union Dallas


Shared Branching

Easily access your accounts with over 6,100 nationwide locations from which to do deposits and withdrawals in the lobby.
Courtesy Pay Overdraft Neighborhood Credit Union Dallas


Courtesy Pay

Protect your checking account with overdraft protection! Opt-in for the Courtesy Pay privilege for ATM and debit transactions. 0

Visa® Debit & ATM Card

The Neighborhood Credit Union debit card can be used everywhere Visa debit cards are accepted, with the added security of the EMV chip. 7


VISA Debit ATM Card Neighborhood Credit Union Dallas


Contact Us

Call Neighborhood Credit Union Dallas


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Fri: 9 am – 6 pm
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Find Neighborhood Credit Union Dallas Branch

Find a Branch

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or locate an ATM.

1APY = Annual Percentage Yield.

2APY = Annual Percentage Yield. If qualifications are met each Monthly Qualification Cycle: 2.50% Annual Percentage Yield up to $50,000 account balance if qualifications are met, 0.20% interest rate resulting in 2.50 – 0.97% Annual Percentage Yield on balances over $50,000 if qualifications are met. All balances earn 0.01% Annual Percentage Yield if qualifications are not met. Transfers between accounts do not count as qualifying transactions. Fees may reduce earnings. Limit one account per household.

3Domestic ATM withdrawal fees incurred during qualification cycle will be reimbursed and credited to account on the last day of Monthly Statement Cycle.

4You will be refunded up to $25 for iTunes® and/or® purchases that post to and settle account during the first 60 days after you open account. Refunds will be credited to the account on the last day of the statement cycle in which refundable purchases were made. In addition, each qualification cycle, earn up to $5 in refunds of iTunes and/or purchases if qualifications are met during previous monthly qualification cycle. Purchases must be made with the debit card or credit card associated with your Kasasa Tunes account. Qualifying transactions must post to and settle the account during the monthly qualification cycle. iTunes is a registered trademark of Apple, Inc. and is a registered trademark of Amazon Inc. Apple Inc. and Amazon Inc. are not participants in or sponsors of this program. Fees may reduce earnings. Limit one account per Social Security Number.

5Restrictions apply. Choice Checking begins with a $10.50 base service charge monthly fee that can be reduced or eliminated. The fee is reduced by $1.00 each Monthly Qualification Cycle for receiving electronic statements. The fee is reduced by $.20 each time you use your debit card to make a signature-based purchase during the Monthly Qualification Cycle (purchase must be $5 or more; ATM and PIN based transactions are excluded). Monthly Qualification Cycle = a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Transactions may take one or more banking days from the date the transaction was made to post to and settle account. See the Rates and Fees Schedule here.

6Fresh Start Courtesy Pay limit is $200. Direct Deposit is required for Fresh Start Courtesy Pay. Courtesy Pay is available to qualified members after 60 days and overdraft fees apply. Please view the Courtesy Pay Disclosure here. See Fee Schedule.

7You may use your checking account VISA Debit Card to initiate both VISA debit transactions and non-VISA debit transactions without using a personal identification number (PIN) to authenticate the transactions. To initiate a VISA debit transaction, you may sign a receipt, provide a card number or swipe your card through a point-of-sale (POS) terminal and choose to route the transaction over a VISA network. To initiate a non-VISA debit transaction, you may enter a PIN at a point-of sale terminal or, for certain bill payment transactions, provide the account number for an e-commerce or mail/telephone order transaction after clearly indicating a preference to route it as a non-VISA transaction. We have enabled non-VISA debit transaction processing on the CU24, Accel, Pulse and Plus network(s). The rights and protections applicable only to VISA debit transactions, including additional consumer liability limits and streamlined error resolution procedures, as described in your Electronic Fund Transfers Agreement and Disclosure will not apply to transactions processed through non-VISA networks. Please contact NCU with any questions you may have regarding this notice.

0Courtesy Pay is available to qualified members after 60 days and overdraft fees apply. Please view the Courtesy Pay Disclosure here.

View the Truth-In-Savings Disclosure