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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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Convenience Services

Overdraft Protection Services

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. To help members avoid this occasional problem, Neighborhood Credit Union offers two different options.

Courtesy Pay is a customized service 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. However, if you are enrolled into Transfer Pay, a transaction will be covered by transferring your own money from a savings account or Line of Credit.




Quickly Set Up Direct Deposit

We’ve made switching your direct deposits and automatic payments easy with our new fast and secure ClickSWITCH¹ account switching service. Members can always start Switches here, or under the Additional Services menu tab in online banking.


24-Hour ITMs

Conveniently and securely:

  • deposit cash and checks
  • make a loan payment
  • video with a branch representative during business hours
  • and more!
ITMs are currently available at the following locations: Anna, Arlington, Coppell, Duncanville, LancasterGrand PrairieMesquite, North Dallas, Oak Cliff, ProsperWaxahachie and Uptown.


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. 
 
 

 
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Wire Transfers

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.
 
 
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Safe Deposit Boxes

Safe deposit boxes are available at low annual costs. See the Rates & Fees page for pricing and locations.

Rent a Box

To take advantage of this service, schedule a virtual appointment today.

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.
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Account Finder

Not sure where to start? Let us narrow down products that may be the solution to what you’re looking for!

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.
We’ve made switching your direct deposits and automatic payments easy with our new fast and secure ClickSWITCH¹ account switching service. Members can always start Switches here, or under the Additional Services menu tab in online banking.
 
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.