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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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Priority Checking Account

Low opening deposit and easily reduce or eliminate your monthly fee.

Account Details

Overdraft Fee Forgiveness

Low Opening Deposit

No Minimum Balance

Reduce or Eliminate Monthly Fee¹

Priority Checking Account Details


Overdraft Fee Forgiveness5 gives members up to $40 in fee refunds annually upon request. Life happens, and we’re here to help with the unexpected. 
 
No-Surcharge Network gives you the comfort of avoiding ATM surcharge fees with over 90,000 nationwide ATMs within the MoneyPass and Allpoint Networks. 


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

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

All Neighborhood Credit Union checking accounts feature:





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.




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. 


Courtesy Pay

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



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. 
 
 

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.



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.


Want to compare our accounts side by side?

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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

Priority Checking begins with a $11.99 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.
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 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 several 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:
 

¹Restrictions 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. See the Rates & Fees page here.

²Courtesy 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. Relationship Fee Refunds received during the calendar year will count toward the annual limit of $40.

View the Truth-In-Savings Disclosure.