Smarter Checking. Real Rewards.
Experience Checking That Works for You
At Neighborhood Credit Union, we believe your checking account should do more than hold your money, it should support your everyday life with tools that make banking easy, fast, and personal.
Convenience First
Bank from anywhere, anytime. With the MyNCU Mobile App and Online Banking available 24/7, you can check balances, deposit checks, pay bills, and transfer funds, all from the palm of your hand.
Fast Access to Funds
Why wait for payday? Set up direct deposit and get paid up to two days early, giving you quicker access to your hard-earned money when it matters most.*
Local & Loyal
We’re more than a financial institution, we’re your neighbor. As a Texas-based credit union serving communities since 1930, we’re committed to helping you thrive with personalized service and trusted financial solutions.
★★★★★
- Rene W.
Compare Checking Accounts
Cash Back Checking
Our Cash Back Checking Account is a free, earn cash back account that pays you monthly when you meet qualifications.¹
Account Benefits
- Cash back on purchases
- Nationwide ATM withdrawal fee refunds
- No monthly service fee
- Overdraft protection available
- No minimum balance to earn rewards
High Yield Checking
Our High Yield Checking Account is a free, high-interest account that pays you monthly when you meet qualifications.²
Account Benefits
- High-yield interest rate
- ATM withdrawal fee refunds nationwide
- No minimum balance to earn rewards
- No monthly service fee
- Overdraft protection available
Why You’ll Love Banking with Us
Explore the Perks
Close
| Surcharge-Free ATMs |
Courtesy Pay | Earn Cash, Refer Friends |
|---|---|---|
|
The MoneyPass and Allpoint ATM Networks allows our members the ability to withdraw cash at over 90,000 ATMs nationwide without a surcharge fee.
|
Protect your checking account with overdraft protection! Opt-in for the Courtesy Pay privilege for ATM and debit transactions.
|
Whenever you refer family or friends who do not have a membership with us, you'll receive up to $100.00.*
|
| Mobile Wallet |
Send Money with Zelle® | GreenPath Financial Wellness |
|---|---|---|
|
Use your Neighborhood CU debit and credit cards to pay digitally on your devices with Apple Pay, Samsung Pay, Google Pay, and more.
|
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.
|
With free access to money management and financial education services, GreenPath is a non-profit that partners with you to achieve your financial goals.
|
§APY = Annual percentage yield
*Domestic ATM withdrawal fees incurred during Qualification Cycle in which qualifications were met will be reimbursed and credited to account on the last day of Monthly Statement Cycle.
Frequently Asked Questions
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 4.00% APY interest and ATM 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 (excluding ATM transactions)
- AND ACH direct deposits that total $500 or more
- AND go paperless! Sign up and agree to receive eStatements and decline paper statements
Yes, click here to download the MyNCU Mobile App for iOS or Android.
Complete the following requirements each Qualification Cycle† to qualify for 3% cash back on up to $200 in purchases for a total of $6 per month and ATM fee refunds of up to $15:²
- Fifteen (15) individual or combined debit or credit card transactions of $5.00 or more post or settle
- AND ACH direct deposits that total $500 or more
- AND go paperless! Sign up to receive eStatements and decline paper statements
Yes! We have a full digital services suite that includes the MyNCU Mobile App, Online Banking, remote check deposit, Zelle®, and more. Explore all of our digital services here.
*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.
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) (Does not include RelyOn CU Credit Cards); 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.
²High-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) (Does not include RelyOn CU Credit Cards); 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.