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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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Choice™ Checking Account

Earn Get Cash Back rewards and easily reduce or eliminate your monthly fee.

Account Details

Overdraft Fee Forgiveness

Earn Get Cash Back Rewards

No Minimum Balance

Reduce or Eliminate Monthly Fee¹

Choice™ Checking Account Details

  • $11.99 per month with fee-reduction options to reduce or eliminate your monthly fee¹
  • No minimum balance required
  • Overdraft Fee Forgiveness gives members up to $40 in fee refunds annually upon request. Life happens, and we’re here to help with the unexpected. 
  • Get Cash Back Rewards will provide you with the opportunity to activate special offers in Online Banking and the MyNCU Mobile App, and earn cash at select retailers when you use your Neighborhood CU debit card.
  • No-Surcharge Network gives you the comfort of avoiding ATM surcharge fees with 55,000 nationwide ATMs within the Allpoint Network. 
  • Opening deposit minimum: $25


How to Reduce Your Monthly Fee

Complete the following requirements to earn credit up to $11.99 per month¹:
  • Enroll in eStatements and opt-out of paper statements = $1 credit per month
  • Signature-based debit card purchase that posts and settles within cycle = $0.20 credit each
 
Laptop and cell phone

All Neighborhood Credit Union checking accounts feature:

 
 
 
 

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.
 

Shared Branching

Easily access your accounts with over 6,100 nationwide Co-Op locations from which to do deposits and withdrawals in the lobby. 
 

Courtesy Pay

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

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Financial Management Software

 
Fine-tune and track your spending habits and financial goals with ease from our Money Management dashboard.
 

Frequently Asked Questions

Choice Checking begins with a $10.50 base service charge monthly fee that can be reduced or eliminated¹.
 
The fee is reduced by $1.00 each Qualification Cycle for receiving electronic statements. The fee is reduced by $0.20 each time you use your debit card to make a signature-based purchase during the Qualification Cycle (purchase must be $5 or more; ATM and PIN based transactions are excluded).
The Qualification Cycle is the period of time that begins one day before the Monthly Statement Cycle and ends one day before the close of the Monthly Statement Cycle.
 
 
 

¹Restrictions apply. Choice 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 Qualification Cycle for receiving electronic statements. The fee is reduced by $0.20 each time you use your debit card to make a signature-based purchase during the Qualification Cycle (purchase must be $5 or more; ATM and PIN based transactions are excluded). See the Rates & Fees page here.

²MyIDGuard’s system monitors the internet and social websites for up to 25 items, including debit cards, credit cards, social security number, and other personal information that the account holder provides. If any of the account holder’s provided information is detected, the account holder will immediately receive notification. Credit report monitoring is not included.

³Courtesy Pay is available to qualified members after 60 days and overdraft fees apply. Please view the Courtesy Pay Guide here.

†Overdraft Fee Forgiveness applies only to fees charged for overdraft and Courtesy Pay and is granted upon request on an annual basis. Any amounts for Relationship Fee Refunds received in 2020 will count toward the annual limit of $40.

View the Truth-In-Savings Disclosure.