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Neighborhood Credit Union
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Routing #311079270
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Routing #311079270
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Kasasa® Cash Checking

Free Checking with High-Yield Interest

Earn 2.00% APY interest on up to $50,000 account balance and ATM withdrawal fee refunds¹


To Qualify for Rewards

Complete the following requirements each Qualification Cycle to qualify for 2.00% APY interest 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

Kasasa® Cash Checking Account Benefits

  • Free checking with no minimum balance required
  • Get your direct deposit up to 2 days early*
  • Courtesy Pay²
  • Opening deposit minimum: $100
  • Earn a minimum of 0.01% APY interest1
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†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. Transactions may take one or more banking days from the date the transaction was made to post to and settle account.

1APY = Annual Percentage Yield. Kasasa Cash qualifications that must be met to obtain the 2.00% APY 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 $15 and credited to account on the last day of monthly statement cycle; (b) balances up to $50,000 receive APY of 2.00%; and (c) balances over $50,000 earn 0.10% APY on portion of balance over $50,000, resulting in 2.00% to 0.73% APY depending on the balance. If qualifications are not met, all balances earn 0.01% APY. Minimum to open is $100. Fees may reduce earnings (see fee schedule). Limit one account per household. 

²Courtesy 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(Opens in a new Window) here.

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

Why Choose Kasasa® Cash Checking?

Free Checking Account

Earn Interest at 2.00% APY¹

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.

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All Neighborhood Credit Union checking accounts feature:

Calculate your Kasasa® Cash Checking Rewards

What is your average checking account balance?

What funds from other accounts could you add to earn more money?

How many times a month do you use another bank's ATM?

Our calculator is for informational purposes only and does not intend to provide financial advice. All examples are hypothetical and assumes that qualifications are met for the Kasasa® Cash product to illustrate the benefits of the 2.00% annual percentage rate and ATM refunds. This calculator is not intended to offer any tax, legal, financial or investment advice and does not assure the availability of or your eligibility for any specific product offered by Neighborhood Credit Union, its affiliates or any other institution, nor does this calculator predict or guarantee the actual results of any investment product. You may wish to consult an appropriate outside advisor about your financial situation.
Estimated Annual Rewards
Estimated Monthly Rewards
Estimated ATM Fees Refunded
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This is an estimate based on the information you provide and we do not guarantee the accuracy of these results. For informational purposes only. Actual terms will vary. This calculator is not intended to provide legal, investment, or financial advice or to indicate the availability or suitability of any Neighborhood Credit Union product or service to your unique circumstances.
Courtesy Pay
Protect your checking account with overdraft protection! Opt-in for the Courtesy Pay privilege for ATM and debit transactions.

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.

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

Earn Cash, Refer Friends
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.

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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MyNCU Mobile App

Use our award-winning app to manage your accounts, deposit checks, make transfers, and more.

Frequently Asked Questions

Kasasa® is an award-winning financial technology company that provides reward checking accounts and ongoing expert consulting services to community financial institutions like Neighborhood Credit Union.

Through Kasasa, we are able to bring you two amazing free checking accounts where you can choose which rewards are more important to you: high-yield interest with Kasasa Cash Checking or cash back with Kasasa Cash Back.

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:

Complete the following requirements each Qualification Cycle to qualify for rewards for either Kasasa 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  

 Ready to join the Neighborhood?