Cash Back Checking
Free Checking with Cash Back Rewards
Earn 3% cash back on purchases for a maximum of $9 each month and ATM withdrawal fee refunds¹
To Qualify for Rewards
Complete the following requirements each Qualification Cycle† to qualify for 3.00% cash back on up to $300 in purchases each month for a maximum of $9 per month and ATM withdrawal fee refunds of up to $15:¹
- Fifteen (15) individual or combined debit or credit card transactions of $5.00 or more post or settle
- AND one automatic ACH payment or direct deposit post and settle
- AND go paperless! Sign up to receive eStatements and decline paper statements
Cash Back Checking Account Benefits
- Free checking with no minimum balance required
- Get your direct deposit up to 2 days early*
- Courtesy Pay‡
- Opening deposit minimum: $25
- Online and mobile banking
†Qualification Cycle = the first day of the month through the last day of the month.
¹Cash 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 at least one (1) automatic ACH payment or direct deposit post and settle; 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 $300 for a total of $9 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.
‡Courtesy Pay is available to qualified members after 2 days and overdraft fees apply. See Rates & Fees page for current fees. Please view the Courtesy Pay Guide here.
View the Truth-In-Savings Disclosure(Opens in a new Window).
Why Choose Cash Back Checking?
Free Checking Account
Earn 3% Cash Back¹
ATM Withdrawal Fee Refunds¹
No Minimum Balance
Get 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 Credit Union 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.
All Neighborhood Credit Union checking accounts feature:
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.
Surcharge-Free ATMs
The MoneyPass and Allpoint ATM Networks allows our members the ability to withdraw cash at over 90,000 ATMs nationwide without a surcharge fee.
Mobile Wallet
Use your Neighborhood CU debit and credit cards to pay digitally on your devices with Apple Pay, Samsung Pay, Google Pay, and more.
Earn Cash, Refer Friends
Whenever you refer family or friends who do not have a membership with us you'll receive $100.00* when they open a new member checking account.
Send Money with Zelle®
Zelle is a fast, safe and easy way to send and request money. Funds are sent directly to an account, and all you need is the recipient's email or U.S. cell number.
GreenPath Financial Wellness
With free access to money management and financial education services, GreenPath is a non-profit that partners with you to achieve your financial goals.
Want to compare our accounts side by side?
Click the "Compare Accounts" button to explore in-depth.
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| Account Type | Summary | ATM Refunds² | High Yield Interest APY¹ | Opening Deposit | Monthly Fee |
|---|---|---|---|---|---|
| High Yield |
Free checking with high-yield interest.
|
Yes | 0.01% - 4.25% | $100 | $0 |
| Cash Back |
Free checking with cash back rewards.
|
Yes | No | $25 | $0 |
| Priority |
Low Opening Deposit and Overdraft Fee Forgiveness.
|
No | No | $25 | $11.99 |
| Fresh Start |
Ideal for those with less-than-perfect checking needing to get back on their feet.
|
No | No | $25 | $20 |
| Minor/Student Accounts |
MyNCU Mobile App
Use our award-winning app to manage your accounts, deposit checks, make transfers, and more.
Frequently Asked Questions
Joining a credit union is easier than you think! There are several ways you're able to become a member, and you even qualify simply if you have a family member that does.
You're eligible if you simply live in the state of Texas. You can also qualify for membership if you live or work in Dallas County, Ellis County, Denton County, Collin County, or the city of Arlington; live or work within a 10 mile radius of the Coppell(Opens in a new Window), Grand Prairie(Opens in a new Window), or Highland Village(Opens in a new Window) branches; employed by or retired from a company served(Opens in a new Window) by Neighborhood CU, or become a member of the American Consumer Council(Opens in a new Window).
You don't give up anything when you switch from a big bank, either. We offer several online & mobile services(Opens in a new Window)(Opens in a new Window) and convenience services(Opens in a new Window)(Opens in a new Window), including online banking, the MyNCU Mobile App for iOS and Android, mobile check deposit, courtesy pay, and more. Not only are we a fully digital credit union, but we have multiple locations in the DFW Metroplex(Opens in a new Window)(Opens in a new Window).
Anyone who lives in the state of Texas is eligible to open an account at Neighborhood Credit Union. You can:
- visit our online portal to open a checking or savings account
- apply for a loan online
- make an appointment to visit one of our branches,
- and by phone.
Complete the following requirements each Qualification Cycle† to qualify for rewards for your High Yield or Cash Back checking account:
- Fifteen (15) individual or combined debit or credit card transactions of $5.00 or more post or settle
- AND one automatic ACH payment or direct deposit post and settle
- AND go paperless! Sign up to receive eStatements and decline paper statements
Who We Are
Formerly known as Dallas Postal Credit Union, Neighborhood Credit Union opened its doors to its first members in April 1930, just months after the U.S. stock market crashed. During the Great Depression, when Americans’ trust in financial institutions were at their lowest, Dallas Postal Credit Union won that trust and loyalty of its charter members. In 2001, we officially changed our name to Neighborhood Credit Union, a name that more accurately reflects the diverse base of members from all over the Dallas area.
Neighborhood Credit Union now serves the entire state of Texas with over 56,000 members and assets that top $1 billion. Our ongoing effort to offer members convenient services in their communities and mobile access wherever they go has made us a top-rated credit union in the Dallas-Fort Worth area.