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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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Better Than Free Checking Accounts

Earn high yield interest¹ or cash back rewards² with these free checking accounts.

 
 

Why Choose Neighborhood Credit Union

Free Checking Account

Earn Rewards Everyday

ATM Withdrawal Fee Refunds¹

Free Debit Card & Mobile App

Kasasa® Cash Back Checking

Cash Back Rewards

A free debit account that earns you cash back.
Minimum Opening Deposit: $25
Earn Rewards: Earn 3% cash back on all purchases for a max of $9 each month when you qualify.³
ATM Withdrawal Fee Refunds: Up to $20 per month.³
Good to Know: No minimum balance required. Free debit card, mobile app, mobile wallet, and courtesy pay.
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Kasasa® Cash Checking

0.01%-1.25% APY1

A free debit account that earns high yield interest. Calculate Your Potential Rewards
Minimum Opening Deposit: $100
Earn Rewards: Earn 1.25% APY interest on up to $50,000 account balance each month when you qualify.¹
ATM Withdrawal Fee Refunds: Up to $20 per month.¹
Good to Know: No minimum balance required. Free debit card, mobile app, mobile wallet, and courtesy pay.
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All Neighborhood Credit Union accounts feature:







Refer a Friend, Earn $100 Cash

Through our Member Referral Program, whenever you refer a new or existing member to Neighborhood CU for an Auto or Personal loan, you can receive $100.00 when the loan has been funded!*





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.



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.



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.
 
 

Compare all of our checking 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.



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 1.25% 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
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Estimated Monthly Rewards
$0.00
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.





Frequently Asked Questions

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  
Yes! We have a full digital services suite that includes the MyNCU Mobile App, Online Banking, remote check deposit, Zelle®, and more. Explore all of our digital services here.
 
Yes, click here to download the MyNCU Mobile App for iOS or Android.
You're eligible if you live in the state of Texas! And you can qualify even if you have a family member that does.

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) and convenience services(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).
 

1APY = Annual Percentage Yield. Kasasa Cash qualifications that must be met to obtain the 1.25% 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 $20 and credited to account on the last day of monthly statement cycle; (b) balances up to $50,000 receive APY of 1.25%; and (c) balances over $50,000 earn 0.10% APY on portion of balance over $50,000, resulting in 1.25% to 0.55% 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.

2If qualifications are met each monthly qualification cycle 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.

³Kasasa 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.

†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.

‡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.