The Best No-Fee Checking Accounts
Earn high yield interest¹ or cash back rewards² with our no-fee checking accounts.*
Why Choose Neighborhood Credit Union
No-Fee Checking Account
Earn Rewards Everyday
ATM Fee Refunds¹
Free Debit Card & Mobile App
Cash Back CheckingCash Back RewardsAlready a member? Open a checking account here.
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| A no-fee debit account that earns you cash back. |
| Minimum Opening Deposit: $25 |
| Earn Rewards: Earn 3% cash back on all purchases for a max of $6 each month when you qualify.³ |
| ATM Fee Refunds: Up to $15 per month.³ |
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Good to Know: No minimum balance required. My Rewards Debit Card that earns MyPoints, mobile app, mobile wallet, and courtesy pay.‡
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High Yield Checking0.01%-4.00% APY1Already a member? Open a checking account here.
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| A no-fee debit account that earns high yield interest and MyPoints. Calculate Your Potential Rewards |
| Minimum Opening Deposit: $100 |
| Earn Rewards: Earn 4.00% APY interest on up to $50,000 account balance each month when you qualify.¹ |
| ATM Fee Refunds: Up to $15 per month.¹ |
| Good to Know: No minimum balance required. My Rewards Debit Card that earns MyPoints, mobile app, mobile wallet, and courtesy pay.‡ |
All Neighborhood Credit Union accounts feature:
My Rewards Debit Cards
Join our exclusive members-only rewards program! Earn points every time you shop with your My Rewards® Gold or Platinum Debit Cards. Spend $100 using your eligible Neighborhood Credit Union Visa Debit Card and accumulate MyPoints redeemable for fantastic prizes!4
Perks of Neighborhood Credit Union
Click the "Explore our Perks" button to explore in-depth.
Explore Our perks
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| Surcharge-Free ATMs |
Courtesy Pay | Earn Cash, Refer Friends |
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The MoneyPass and Allpoint ATM Networks allows our members the ability to withdraw cash at over 90,000 ATMs nationwide without a surcharge fee.
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Protect your checking account with overdraft protection! Opt-in for the Courtesy Pay privilege for ATM and debit transactions.
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Whenever you refer family or friends who do not have a membership with us, you'll receive up to $100.00.*
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| Mobile Wallet |
Send Money with Zelle® | GreenPath Financial Wellness |
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Use your Neighborhood CU debit and credit cards to pay digitally on your devices with Apple Pay, Samsung Pay, Google Pay, and more.
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Zelle is a fast, safe and easy way to send and request money. Funds are sent directly to an account, and all you need is the recipient's email or U.S. cell number.
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With free access to money management and financial education services, GreenPath is a non-profit that partners with you to achieve your financial goals.
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§APY = Annual percentage yield
*Domestic ATM withdrawal fees incurred during Qualification Cycle in which qualifications were met will be reimbursed and credited to account on the last day of Monthly Statement Cycle.
Get paid up to 2 days early.**
Depending on your employer, you can get your direct deposit up to 2 days earlier than payday with a Neighborhood Credit Union checking account.
Maximize Your Money with Our No-Fee Checking Accounts—Earn High-Yield Interest¹ or Cash Back Rewards² Today!
Frequently Asked Questions
Anyone who lives in the state of Texas is eligible to open an account at Neighborhood Credit Union. You can:
- visit our online portal to open a checking or savings account
- apply for a loan online
- make an appointment to visit one of our branches,
- and by phone.
Complete the following requirements each Qualification Cycle† to qualify for rewards for your High Yield or Cash Back checking account:
- Fifteen (15) individual or combined debit or credit card transactions of $5.00 or more post or settle
- AND ACH direct deposits that total $500 post and settle
- AND go paperless! Sign up to receive eStatements and decline paper statements
Yes! We have a full digital services suite that includes the MyNCU Mobile App, Online Banking, remote check deposit, Zelle®, and more. Explore all of our digital services here.
Yes, click here to download the MyNCU Mobile App for iOS or Android.
You're eligible if you live in the state of Texas! And you can qualify even if you have a family member that does.
You don't give up anything when you switch from a big bank, either. We offer several online & mobile services(Opens in a new Window) and convenience services(Opens in a new Window), including online banking, the MyNCU Mobile App for iOS and Android, mobile check deposit, courtesy pay, and more. Not only are we a fully digital credit union, but we have several locations in the DFW Metroplex(Opens in a new Window).
1APY = Annual Percentage Yield. High-Yield Checking qualifications that must be met to obtain the Higher Interest Rate and ATM Withdrawal and Inquiry Fee refunds include: 1. Fifteen (15) individual or combined debit card or credit card transactions of at least $5.00 or more each (transactions may take more than one day to post/settle to your account) (Does not include RelyOn CU Credit Cards); AND 2. Have an aggregate of ACH direct deposits totaling $500 or more post and settle each qualifying cycle; AND 3. Sign up and agree to receive eStatements and decline paper statements. ATM transactions or transfers between accounts not valid for qualifying. Qualifying transactions must post to and settle account during monthly qualification cycle Qualification Cycle and Statement Cycle = the first day of the month through the last day of the month. If qualifications are met each monthly qualification cycle: (a) Domestic ATM withdrawal and inquiry fees incurred during qualification cycle will be reimbursed up to an aggregate of $15 and credited to account on the last day of monthly statement cycle; (b) balances up to $50,000 receive APY of 4.00%; and (c) balances over $50,000 earn 0.10% APY on portion of balance over $50,000, resulting in 4.00% to 1.40% APY depending on the balance. If qualifications are not met, all balances earn 0.01% APY. Minimum to open is $100. Account is free from a monthly service fee, other fees may apply. Fees may reduce earnings (see fee schedule). Limit one account per household. Federally Insured by NCUA.
2ATM Withdrawal Fees: If qualifications are met each monthly qualification cycle domestic ATM withdrawal fees incurred during qualification cycle will be reimbursed up to an aggregate of $15 and credited to account on the last day of monthly statement cycle.
³Cash Back Checking qualifications that must be met to obtain cash back rewards and ATM Withdrawal and Inquiry Fee refunds include: 1. Fifteen (15) individual or combined debit card or credit card transactions of at least $5.00 or more each (transactions may take more than one day to post/settle to your account) (Does not include RelyOn CU Credit Cards); AND 2. Have an aggregate of ACH direct deposits totaling $500 or more post and settle each qualifying cycle; AND 3. Sign up and agree to receive eStatements and decline paper statements. ATM transactions or transfers between accounts not valid for qualifying. Qualifying transactions must post to and settle account during monthly qualification cycle. Qualification Cycle and Statement cycle = first day of month through last day of month. If qualifications are met each monthly qualification cycle: (a) Domestic ATM withdrawal and inquiry fees incurred during qualification cycle will be reimbursed up to an aggregate of $15 and credited to account on the last day of monthly statement cycle; and (b) you will receive 3% cash back on purchases up to $200 for a total of $6 per month on combined debit and credit card purchases. If qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. Minimum to open is $25. Account is free from a monthly service fee, other fees may apply. Fees may reduce earnings (see fee schedule). Limit one account per household. Federally Insured by NCUA.
4 My Rewards® Gold or Platinum Debit Cards: Base amount of points earned for purchases using the basic Neighborhood Credit Union Debit Card is 1 point per $100 for signature or PIN based card transactions.
†Qualification Cycle = the first day of the month through the last day of the month.
‡Courtesy Pay is available to qualified members after 2 days and overdraft fees apply. See Rates & Fees page for current fees. Please view the Courtesy Pay Guide(Opens in a new Window) here.
**Neighborhood CU may give early access to direct deposit funds from your employer, payments and credits into your account, or government deposits and payments depending on when the deposit or payment file is submitted to Neighborhood CU. Weekends or bank holidays may affect the posting date. As a result, the availability or timing of early direct deposit may vary from pay period to pay period. Fraud prevention restrictions may apply and delay early availability of funds. Early availability is not guaranteed. Additional restrictions may apply.