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
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$11.99 per month with fee-reduction options to reduce or eliminate your monthly fee1
- No minimum balance required
- Get your direct deposit up to 2 days early*
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Opening deposit minimum: $25
Overdraft Fee Forgiveness3 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. Purchases must be $5 or more to qualify and ATM or PIN-based transactions are excluded.
Upgrade to My Rewards® Premium Debit Cards
Join our exclusive members-only MyPoints Rewards program! Earn up to 3x more points every time you swipe your My Rewards® Gold or Platinum Debit Cards. Get rewarded for everyday purchases and accumulate points redeemable for prizes, trips, and gift cards!
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It's a fast, secure, and straightforward method to send and request money. Whether you're splitting bills with friends or reimbursing family for shared expenses, Zelle offers a convenient solution so you can skip the hassle of visiting an ATM or dealing with cash.
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Get 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 CU 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.
Set Up Direct Deposit
Neighborhood CU makes it easy to switch banks. Easily, quickly, and securely set up your direct deposit and automatic payments with a simple form.
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.
Want to compare our accounts side by side?
Click the "Compare Accounts" button to explore in-depth.
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| Account Type | Summary | ATM Refunds² | High Yield Interest APY¹ | Opening Deposit | Monthly Fee |
|---|---|---|---|---|---|
| High Yield |
Free checking with high-yield interest.
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Yes | 0.01% - 4.00% | $100 | $0 |
| Cash Back |
Free checking with cash back rewards.
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Yes | No | $25 | $0 |
| Priority |
Low Opening Deposit and Overdraft Fee Forgiveness.
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No | No | $25 | $11.99 |
| Fresh Start |
Ideal for those with less-than-perfect checking needing to get back on their feet.
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No | No | $25 | $20 |
| Minor/Student Accounts |
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.
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:
- visit our online portal to open a checking account
- apply for a loan online
- make an appointment to visit one of our branches,
- and by phone.
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 2 days and overdraft fees apply. See Rates & Fees page for current fees. Please view the Courtesy Pay Guide here.
3 Overdraft Fee Forgiveness applies only to fees charged for overdraft and Courtesy Pay and is granted upon request on an annual basis.
View the Truth-In-Savings Disclosure.