Earn More. Worry Less.
Earn up to 4.00% APY interest on up to $50,000 account balance and ATM fee refunds with a free High Yield Checking Account¹
High Yield Checking from a credit union you can count on.
Earn up to 4.00% APY on balances up to $50,000 with Neighborhood Credit Union’s High Yield Checking. With no monthly maintenance fees, up to $15 a month in ATM fee refunds, and built-in overdraft protection and fraud monitoring, it’s a smart and secure way to grow your money with a credit union Texans have trusted since 1930.
★★★★★
- Andre G.
Compare Checking Accounts
High Yield Checking
Our High Yield Checking Account is a free, high-interest account that pays you monthly when you meet qualifications.¹
Account Benefits
- High-yield interest rate
- ATM withdrawal fee refunds nationwide
- No minimum balance to earn rewards
- No monthly service fee
- Overdraft protection available
Priority Checking
Our Priority Checking Account offers reduced monthly fees and Overdraft Fee Forgiveness²
Account Benefits
- Low $25 opening deposit
- No minimum balance required
- Up to $40 in overdraft fee forgiveness annually
Why You’ll Love Banking with Us
Explore the Perks
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| Surcharge-Free ATMs |
Courtesy Pay | Earn Cash, Refer Friends |
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The MoneyPass and Allpoint ATM Networks allows our members the ability to withdraw cash at over 90,000 ATMs nationwide without a surcharge fee.
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Protect your checking account with overdraft protection! Opt-in for the Courtesy Pay privilege for ATM and debit transactions.
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Whenever you refer family or friends who do not have a membership with us, you'll receive up to $100.00.*
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| Mobile Wallet |
Send Money with Zelle® | GreenPath Financial Wellness |
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Use your Neighborhood CU debit and credit cards to pay digitally on your devices with Apple Pay, Samsung Pay, Google Pay, and more.
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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.
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With free access to money management and financial education services, GreenPath is a non-profit that partners with you to achieve your financial goals.
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§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.
You're eligible if you live in the state of Texas! And you can qualify even if you have a family member that does.
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) and convenience services(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 several locations in the DFW Metroplex(Opens in a new Window).
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.
¹High-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.
²Restrictions 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.