Skip Navigation Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view,download Adobe® Acrobat Reader.
Neighborhood Credit Union
Routing #311079270
Chat Search
Close search

What can we help you find?

Routing #311079270
Close online banking

Online Banking

Routing #311079270
Person using debit card online

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.


Questions about Courtesy Pay?

Don't hesitate to contact our Member Service team.

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. Download the Courtesy Pay Form and email your completed form to
  3. Stop by a branch and complete the form in person.
  4. 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

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
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
Check and ACH Fees $33 $33 $33 $33
ATM / Debit Card Fees $33 $33 $33 $33



Click here to read the full Courtesy Pay disclosure.