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Neighborhood Credit Union
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Routing #311079270
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Routing #311079270
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Overdraft Protection Services

Protect Your Checking Account with Overdraft Services

An overdraft occurs when you don't have enough money available in your account to cover a transaction, but we pay it anyway. Neighborhood Credit Union offers the following overdraft protection options:

  1. Transfer Pay linked to a savings account or Line of Credit. Transfer Pay uses your own money to cover an overdrawn protection.
  2. Courtesy Pay is a service that pays an overdrawn transaction if you don't have enough money in your account.
  3. Auto-decline (if not enrolled in either Overdraft Protection service)

Courtesy Pay vs. Transfer Pay

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. Click to learn more about Courtesy Pay.
Transfer Pay 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 ($5 fee) or Line of Credit (free!) 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. Click to learn more about Transfer Pay .

Overdraft Service Fees

Service Covered Transactions Fee Included
Transfer Pay linked to Savings Account Checks, ACH, Debit Card, ATM $5 Must enroll.
Transfer Pay linked to Line of Credit Checks, ACH, Debit Card, ATM Free! Must enroll.
Courtesy Pay Checks, ACH $34 Yes
Courtesy Pay Debit Card & ATM $34 No, opt-in here.

Can I have both Courtesy Pay and Transfer Pay?

Yes, you can be enrolled in both Courtesy Pay and Transfer Pay on your checking account. We will first utilize Transfer Pay, but if there are not enough funds in the backup account or you do not have a Line of Credit set up, then Courtesy Pay will be considered to cover the transaction.

If you choose to opt-out of Courtesy Pay or decline to enroll in Transfer Pay, any account without funds to cover the transaction will result in an auto-declined transaction.

Qualifications for Overdraft Protection Services

Transfer Pay does not depend on any qualifications, only that you enroll during opening a checking account or anytime after that.
Courtesy Pay can be applied to any Neighborhood Credit Union checking account. You must be a Neighborhood Credit Union member in good standing, be 18 years of age or older with a valid Social Security Number, have a US address on the account of record, and the account can not be dormant. Click to learn more about Courtesy Pay.


Questions about Overdraft Protection Services?

Don't hesitate to contact our Member Service team.

How to Opt-In for Courtesy Pay

If you did not opt-in to Courtesy Pay when you originally opened your checking account, you are still able to do so later. To opt-in for the Courtesy Pay privilege for ATM and debit transactions, please review the Courtesy Pay Disclosure and choose one of the following options:
  • To opt-in electronically, log into your Online Banking (be sure to disable your pop-up blocker if you click this link) and select Courtesy Pay Opt-In Form under the Additional Services menu, or 
  • Stop by a branch(Opens in a new Window) and complete the form in person, or
  • 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

How to Enroll in Transfer Pay

When you first open your checking account, you are asked if you would like to enroll in Overdraft Protection. If you did not enroll in Overdraft Protection at that time, you are still able to do so later. Simply log into your online banking account on your desktop or through your MyNCU Mobile App and send a secure email or start a secure chat to request enrollment. 


Who We Are

Formerly known as Dallas Postal Credit Union, Neighborhood Credit Union opened its doors to its first members in April 1930, just months after the U.S. stock market crashed. During the Great Depression, when Americans’ trust in financial institutions were at their lowest, Dallas Postal Credit Union won that trust and loyalty of its charter members. In 2001, we officially changed our name to Neighborhood Credit Union, a name that more accurately reflects the diverse base of members from all over the Dallas area.

Neighborhood Credit Union now serves the entire state of Texas with over 61,000 members and assets that top $1 billion. Our ongoing effort to offer members convenient services in their communities and mobile access wherever they go has made us a top-rated credit union in the Dallas-Fort Worth area.