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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 Checking

Free Checking with High-Yield Interest


Earn 1.50% APY1 interest on up to $50,000 account balance and unlimited ATM withdrawal fee refunds2


To Qualify for Rewards

Complete the following requirements each Qualification Cycle to qualify for 1.50% APY¹ interest and unlimited ATM withdrawal fee refunds²:
  • 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
  • Courtesy Pay3
  • 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. Rates may change after account is opened. If qualifications are met each monthly qualification cycle, balances up to $50,000 receive APY of 1.50%; and balances over $50,000 earn 0.10% dividends on portion of balance over $50,000, resulting in 1.50% to 0.57% APY depending on the balance. If qualifications are not met, all balances earn 0.01% APY. Qualifying transactions must post and settle to account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to account. ATM transactions or transactions under $5.00 do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” is the period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Transfers between accounts do not count as qualifying transactions. Fees may reduce earnings. Limit one account per household 

2Domestic 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.

3Courtesy 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.

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

Why Choose Kasasa® Cash Checking?

Free Checking Account

Earn Interest at 1.50% APY¹

ATM Withdrawal Fee Refunds²

No Minimum Balance

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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 1.50% 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.

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.

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.

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