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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 Back

Free Checking with Cash Back

 

Earn 3% cash back on purchases for a maximum of $9 each month and unlimited ATM withdrawal fee refunds¹

 

To Qualify for Rewards

Complete the following requirements each Qualification Cycle to qualify for 3.00% cash back on up to $300 in purchases each month for a maximum of $9 per month and unlimited ATM withdrawal fee refunds¹:
  • 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 Back Account Benefits

  • Free checking with no minimum balance required
  • Courtesy Pay up to $950
  • Opening deposit minimum: $25
 
 
open Now        Request a Call Back
 
 
 

†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. Statement cycle = first day of month through last day of month. Qualifying transactions must post to and settle account during monthly qualification cycle.

¹Kasasa 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. If qualifications are met each monthly qualification cycle: (a) Domestic ATM withdrawal fees incurred during qualification cycle will be reimbursed 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.

Courtesy Pay is available to qualified members after 60 days and overdraft fees apply. Please view the Courtesy Pay Guide here.

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

Why Choose Kasasa® Cash Back?

Free Checking Account

Earn 3% Cash Back¹

ATM Withdrawal Fee Refunds²

No Minimum Balance

 
 
 
 
 
Laptop and cell phone
 
 

All Neighborhood Credit Union checking accounts feature:

 
 
 
 
 
 
 
 
 
 

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?

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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

We currently have 14 branches in the DFW Metroplex area. Visit our locations page or use our interactive locator to view our branches and all of the shared branches you have access to across the United States.
Yes! You can download the MyNCU Mobile App to make transfers, deposit checks, access Money Management financial software, or even quickly turn your debit card on and off. You can also access it all in the online banking portal from a desktop, tablet, or smartphone.
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.
We’re not like banks where the profits go straight into the pockets of shareholders. Our earnings go straight back to you in the form of better rates, dividends, and lower fees. Neighborhood Credit Union is in the business of helping people achieve their short and long-term financial goals for their families as well as help them live a life of financial freedom. Read more about us here.
 
 
 

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¹Kasasa 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. If qualifications are met each monthly qualification cycle: (a) Domestic ATM withdrawal fees incurred during qualification cycle will be reimbursed 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.

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.

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