Overdraft Protection Services
Free Shared Branching
Over 6,100 nationwide locations you can deposit and make withdrawals in the lobby or drive thru for no fee. Whether you are traveling or relocating to a new community, you can still have easy access to your Neighborhood Credit Union accounts.
Please note: ATM transactions at shared branching locations may still be assessed a surcharge or fee. Check with individual shared branching locations for details. Transactions at non-Neighborhood Credit Union ATM’s will still have to pay the non-Neighborhood Credit Union ATM fee.
Surcharge-Free ATMs with MoneyPass & Allpoint
Our members have access to over 90,000 surcharge-free ATMs as a part of the MoneyPass and Allpoint ATM Networks. A surcharge is when the owner of the ATM charges the ATM user a fee and some can get as high as $5.
Neighborhood Credit Union’s partnerships with MoneyPass and Allpoint opens up almost 100,000 ATMs to members free of this surcharge.
We offer both domestic and international wire services. For wire fees, please see the Rates & Fees page.
Initiate a Transfer
To initiate a wire transfer, please call our Member Service Center at 214.748.9393.
Direct Deposit & Go Direct®
Authorize your employer or the government to directly deposit your income or Social Security checks into your Neighborhood Credit Union accounts.
Frequently Asked Questions
Courtesy Pay is a service we provide where we consider paying a debit card transaction, ATM withdrawal, or ACH even if you don't have enough money in your account at that moment. Some members appreciate the peace of mind that a debit card purchase won't be declined at the store register or paying a bill. Learn more here.
Overdraft Protection uses money from another account of yours instead of temporarily borrowing money from the credit union through Courtesy Pay to cover a debit card transaction, ATM withdrawal, or ACH transaction overdraft. If you have linked a savings account or Line of Credit and there are enough funds to cover the transaction, we'll automatically transfer the money from that account, saving you the hassle of a Courtesy Pay fee and charge a low $5 transfer fee instead. Learn more here.
Visit our Open Account or Apply for a Loan page for an overview of products we offer, where you'll be able to easily and quickly open an account online. If you'd prefer to work with a specialist directly, make a virtual appointment and we'll be happy to help.
If you're unsure of what checking or savings product would be right for you, use our Account Finder tool.
¹ClickSWITCH, LLC (“ClickSWITCH”) is a third party vendor of Neighborhood Credit Union and account switch services are solely provided by ClickSWITCH. Users are subject to ClickSWITCH Terms and Conditions.