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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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Kasasa® Cash Back

Free Checking with Cash Back


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 $20¹:
  • 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

Kasasa® Cash Back 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
 
 
open Now        Request a Call Back
 
 
 

†Qualification Cycle = a period beginning one day prior to the first day of the Monthly Statement Cycle through one day prior to the close of the Monthly Statement Cycle. Statement cycle = first day of month through last day of month. Qualifying transactions must post to and settle account during monthly qualification cycle.

¹Kasasa Cash Back qualifications that must be met to obtain cash back rewards and ATM Withdrawal 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 = one day before beginning of statement cycle through one day before end of statement cycle. Statement cycle = first day of month through last day of month.) If qualifications are met each monthly qualification cycle: (a) Domestic ATM withdrawal fees incurred during qualification cycle will be reimbursed up to an aggregate of $20 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. Fees may reduce earnings (see fee schedule). Limit one account per household. Please visit myncu.com/kasasa-cash-back to see the Fee Schedule and full Kasasa Cash disclosures.

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

View the Truth-In-Savings Disclosure(Opens in a new Window).

Why Choose Kasasa® Cash Back?

Free Checking Account

Earn 3% Cash Back¹

ATM Withdrawal Fee Refunds¹

No Minimum Balance



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 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.




cell phone showing banking mobile app and a debit card in front of it

All Neighborhood Credit Union checking accounts feature:




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.


Courtesy Pay

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


Shared Branching

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



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. 
 
 

Earn Cash, Refer a Friend

Whenever you refer family or friends who do not have a membership with us you'll receive $25.00* when they open a new member checking account.



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.


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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

We have several branches in the DFW Metroplex area. Visit our locations page or use our interactive locator to view our branches and all of the shared branches you have access to across the United States.
Yes! You can download the MyNCU Mobile App to make transfers, deposit checks, access Money Management financial software, or even quickly turn your debit card on and off. You can also access it all in the online banking portal from a desktop, tablet, or smartphone.
Courtesy Pay is available to qualified members after 60 days and overdraft fees apply. Please view the Courtesy Pay Guide(Opens in a new Window) here.
We’re not like banks where the profits go straight into the pockets of shareholders. Our earnings go straight back to you in the form of better rates, dividends, and lower fees. Neighborhood Credit Union is in the business of helping people achieve their short and long-term financial goals for their families as well as help them live a life of financial freedom. Read more about us here.
Anyone who lives in the state of Texas is eligible to open an account at Neighborhood Credit Union. You can:
 


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¹Kasasa Cash Back qualifications that must be met to obtain cash back rewards and ATM Withdrawal 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 = one day before beginning of statement cycle through one day before end of statement cycle. Statement cycle = first day of month through last day of month.) If qualifications are met each monthly qualification cycle: (a) Domestic ATM withdrawal fees incurred during qualification cycle will be reimbursed up to an aggregate of $20 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. Fees may reduce earnings (see fee schedule). Limit one account per household. Please visit myncu.com/kasasa-cash-back to see the Fee Schedule and full Kasasa Cash disclosures.

 

View the Truth-In-Savings Disclosure(Opens in a new Window).