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Neighborhood Credit Union
Routing #311079270
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Routing #311079270
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Routing #311079270

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My Rewards® Premium Debit Cards


Join our exclusive members-only MyPoints rewards program! Earn up to 3x more points every time you swipe your My Rewards® Gold or Platinum Debit Cards. Get rewarded for everyday purchases and accumulate points redeemable for prizes, trips, and gift cards!7





calendar icon with the date may 14 displayed on a blue backgroundGet paid up to 2 days early.*

Depending on your employer, you can get your direct deposit up to 2 days earlier than payday with a Neighborhood Credit Union checking account.

*Neighborhood CU may give early access to direct deposit funds from your employer, payments and credits into your account, or government deposits and payments depending on when the deposit or payment file is submitted to Neighborhood CU. Weekends or bank holidays may affect the posting date. As a result, the availability or timing of early direct deposit may vary from pay period to pay period. Fraud prevention restrictions may apply and delay early availability of funds. Early availability is not guaranteed. Additional restrictions may apply.



 

Looking to streamline your financial transactions? Whether you're splitting bills with friends or reimbursing family for shared expenses, Zelle offers a convenient solution.

With Zelle, you can skip the hassle of visiting an ATM or dealing with cash. It's a fast, secure, and straightforward method to send and request money. Funds are transferred directly to the recipient's account within minutes*, requiring only their email address or U.S. mobile phone number. Simplify your money management with Zelle today.

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Cash Back Checking mobile app peek

All Neighborhood Credit Union checking accounts feature:





 Ready to join the Neighborhood?





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Surcharge-Free ATMs

The MoneyPass and Allpoint ATM Networks allows our members the ability to withdraw cash at over 90,000 ATMs nationwide without charging an ATM fee.





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Set Up Direct Deposit

Neighborhood CU makes it easy to switch banks. Easily, quickly, and securely set up your direct deposit and automatic payments in one single step.

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Account Overdraft Protection

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






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Mobile Deposit

Deposit checks right inside of the MyNCU Mobile App without ever having to visit a branch.




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Card Controls

Easily turn off, on, or cancel your debit card with Card Controls inside Online Banking or MyNCU Mobile App.





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Money Management

Truly begin the financial education journey with your teen with our free and easy to use budgeting software.




Questions about our accounts or membership?

Better Than Free Checking Accounts


Discover the perks of our free checking accounts! Earn high yield interest¹ or cash back rewards² on everyday purchases. Enjoy benefits like ATM fee refunds, a free debit card, and access to our convenient mobile app. With our free checking account, everyday transactions become rewarding experiences. Join us today and experience the ease of hassle-free banking.  
 

†Qualification Cycle = the first day of the month through the last day of the month.

1APY = Annual Percentage Yield. High-Yield Checking qualifications that must be met to obtain the Higher Interest Rate and ATM Withdrawal and Inquiry Fee refunds include: 1. Fifteen (15) individual or combined debit card or credit card transactions of at least $5.00 or more each (transactions may take more than one day to post/settle to your account); AND 2. Have an aggregate of ACH direct deposits totaling $500 or more post and settle each qualifying cycle; AND 3. Sign up and agree to receive eStatements and decline paper statements. ATM transactions or transfers between accounts not valid for qualifying. Qualifying transactions must post to and settle account during monthly qualification cycle Qualification Cycle and Statement Cycle = the first day of the month through the last day of the month. If qualifications are met each monthly qualification cycle: (a) Domestic ATM withdrawal and inquiry fees incurred during qualification cycle will be reimbursed up to an aggregate of $15 and credited to account on the last day of monthly statement cycle; (b) balances up to $50,000 receive APY of 4.00%; and (c) balances over $50,000 earn 0.10% APY on portion of balance over $50,000, resulting in 4.00% to 1.40% APY depending on the balance. If qualifications are not met, all balances earn 0.01% APY. Minimum to open is $100. Account is free from a monthly service fee, other fees may apply. Fees may reduce earnings (see fee schedule). Limit one account per household. Federally Insured by NCUA.

2Cash Back Checking qualifications that must be met to obtain cash back rewards and ATM Withdrawal and Inquiry Fee refunds include: 1. Fifteen (15) individual or combined debit card or credit card transactions of at least $5.00 or more each (transactions may take more than one day to post/settle to your account); AND 2. Have an aggregate of ACH direct deposits totaling $500 or more post and settle each qualifying cycle; AND 3. Sign up and agree to receive eStatements and decline paper statements. ATM transactions or transfers between accounts not valid for qualifying. Qualifying transactions must post to and settle account during monthly qualification cycle. Qualification Cycle and Statement cycle = first day of month through last day of month. If qualifications are met each monthly qualification cycle: (a) Domestic ATM withdrawal and inquiry fees incurred during qualification cycle will be reimbursed up to an aggregate of $15 and credited to account on the last day of monthly statement cycle; and (b) you will receive 3% cash back on purchases up to $200 for a total of $6 per month on combined debit and credit card purchases. If qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. Minimum to open is $25. Account is free from a monthly service fee, other fees may apply. Fees may reduce earnings (see fee schedule). Limit one account per household. Federally Insured by NCUA.

4Restrictions apply. Priority Checking begins with a $11.99 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). Qualification Cycle and Statement Cycle = the first day of the month through the last day of the month. Transactions may take one or more banking days from the date the transaction was made to post to and settle account. See the Fee Schedule here. **Overdraft Fee Forgiveness applies only to fees charged for overdraft and Courtesy Pay and is granted upon request on an annual basis. Relationship Fee refunds received during the calendar year will count toward the annual limit of $40. See the Rates & Fees page here.

5Overdraft Fee Forgiveness applies only to fees charged for overdraft and Courtesy Pay and is granted upon request on an annual basis.

6Courtesy Pay is available to qualified members after 2 days and overdraft fees apply. See Rates & Fees page for current fees.

7  My Rewards® Gold or Platinum Debit Cards: Base amount of points earned for purchases using the basic Neighborhood Credit Union Debit Card is 1 point per $100 for signature or PIN based card transactions.

View the Truth-In-Savings Disclosure.

*Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle.