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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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Courtesy Pay

Protect Your Checking Account

Sometimes things don’t go as we plan, and that can mean not having enough funds in our checking account to cover a retail transaction. If that happens it can be embarrassing, not to mention costly, when it comes to merchant fees. To help members avoid this occasional problem, Neighborhood Credit Union offers Courtesy Pay.


How to Opt-In for Courtesy Pay

To opt-in for the Courtesy Pay privilege for ATM and debit transactions, please review the Courtesy Pay Disclosure and take one of the following steps:
  1. To opt-in electronically, log into your Online Banking and select Courtesy Pay Opt-In Form under the Additional Services menu. 
  2. Stop by a branch and complete the form in person.
  3. Call our Member Service Center and we will mail or fax the form to you. You can then return the form to us via mail, fax, or at the branch.
    Neighborhood Credit Union
    P.O. Box 803476
    Dallas, TX 75380-3476

Questions about Courtesy Pay?

Don't hesitate to contact our Member Service team.

Qualifications for Courtesy Pay

Courtesy pay can be applied to any Neighborhood Credit Union checking account. See the table below for specifics. Please note that we may discontinue covering overdrafts through Courtesy Pay at any time without notice.
Courtesy Pay Requirements Kasasa® Cash Kasasa® Cash Back Choice™ Fresh Start
Must be a current Neighborhood Credit Union member X X X X
Checking account must have been open for at least 60 days X X X X
You must be a member in good standing X X X X
Member must be 18 years of age or older X X X X
Account may not be dormant X X X X
Must be a U.S. address on the account of record X X X X
Social Security Number must be valid X X X X
Must have Direct Deposit

Kasasa® Cash Kasasa® Cash Back Choice™ Fresh Start
Transaction Limit $1,100 $950 $1,200 $300
Check and ACH Fees $33 $33 $33 $33
ATM / Debit Card Fees $33 $33 $33 $33


EFFECTIVE JANUARY 28, 2014, PARAGRAPH 2 OF YOUR CHECKING ACCOUNT AGREEMENT WITH OVERDRAFT PAYMENT PROVISIONS WILL BE AMENDED WITH SUB-SECTION (C) AS FOLLOWS: Courtesy Pay Program. If you are eligible in accordance with Credit Union policies, the Credit Union may choose to cover overdrafts in your checking account resulting from checks and other select electronic withdrawals, if no other means of overdraft protection is available as described in paragraphs 2(a) and (b). This program is referred to as Courtesy Pay. Such overdrafts shall subject your account to a paid overdraft fee as disclosed on the Fee Schedule on check, ACH electronic transactions, ATM and Visa Check Card transactions. Fees may not exceed $1,100 for Kasasa® Cash, $1,200 for Choice™ Checking and $950 for Kasasa® Cash Back. For Fresh Start Checking Accounts, overdrafts and related fees may not exceed a cumulative balance of $300. Your account may not have a negative balance resulting from overdrafts and related fees for more than 30 calendar days; thus, you just deposit funds in your account or obtain an approved loan from the Credit Union to cover the full amount of any negative balance within 30 days from the date the account incurs a negative balance. Under this overdraft program, any account with a negative balance for more than 30 days will be subject to collection. The Credit Union may discontinue covering overdrafts at any time without notice.