Checking Accounts
Choose the account that's right for you.
No-Fee Checking with High-Yield Interest
Earn 4.00% APY interest on up to $50,000 account balance and ATM fee refunds¹
To Qualify for Rewards
Complete the following requirements each Qualification Cycle† to qualify for 4.00% APY interest and ATM fee refunds of up to $15:1
- Fifteen (15) individual or combined debit or credit card transactions of $5.00 or more post or settle (excluding ATM transactions)
- AND ACH direct deposits that total $500 or more
- AND go paperless! Sign up and agree to receive eStatements and decline paper statements
High Yield Checking Account Benefits
- Free checking with no minimum balance required
- Free My Rewards debit card that earns MyPoints
- Get your direct deposit up to 2 days early*
- Courtesy Pay6
- Opening deposit minimum: $100
- Earn a minimum of 0.01% APY interest1
- Upgrade your debit card to My Rewards Gold or Platinum.
No-Fee Checking with Cash Back
Earn 3% cash back on purchases for a maximum of $6 each month and ATM fee refunds²
To Qualify for Rewards
Complete the following requirements each Qualification Cycle† to qualify for 3% cash back on up to $200 in purchases for a total of $6 per month and ATM fee refunds of up to $15:²
- 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 or more
- AND go paperless! Sign up to receive eStatements and decline paper statements
Cash Back Checking Account Benefits
- Free checking with no minimum balance required
- Free debit card that earns MyPoints
- Get your direct deposit up to 2 days early*
- Courtesy Pay6
- Opening deposit minimum: $25
- Available as a Minor Account
- Upgrade your debit card to My Rewards Gold or Platinum.
Low Opening Deposit & Overdraft Fee Forgiveness
Priority Checking Account Details
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$11.99 per month with fee-reduction options to reduce or eliminate your monthly fee4
- No minimum balance required
- Get your direct deposit up to 2 days early*
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Opening deposit minimum: $25
Overdraft Fee Forgiveness5 gives members up to $40 in fee refunds annually upon request. Life happens, and we’re here to help with the unexpected.
No-Surcharge Network gives you the comfort of avoiding ATM surcharge fees with over 90,000 nationwide ATMs within the MoneyPass and Allpoint Networks.
How to Reduce Your Monthly Fee
Complete the following requirements to earn credit up to $11.99 per month4:
- Enroll in eStatements and opt-out of paper statements: $1 credit per month
- Signature-based debit card purchase that posts and settles within cycle: $0.20 credit each. Purchases must be $5 or more to qualify and ATM or PIN-based transactions are excluded.
Fresh Start Checking Account Details
- Perfect for those who have had closures at other financial institutions, problems with ChexSystems, or have been denied checking account due to banking history.
- Get your direct deposit up to 2 days early*
- $20 monthly service fee
- Courtesy Pay6
- Opening deposit minimum: $25
How to Get Back on Your Feet
To be eligible to convert your Fresh Start Checking to another Neighborhood Credit Union checking account complete the following:
- Six months of satisfactory account history
- AND completion of the online CheckRight educational workshop and quiz.
CheckRight Workshop
An online, self-study program that allows you to learn at your own pace and test your knowledge on checking accounts. After completing the course, contact us to share your completion certificate and we'll assist you in converting your checking account. Visit the CheckRight page to learn more or begin the quiz.
Upgrade to My Rewards® Premium Debit Cards
Join our exclusive members-only MyPoints Rewards program! Earn up to 3x more points every time you swipe your My Rewards® Gold or Platinum Debit Cards. Get rewarded for everyday purchases and accumulate points redeemable for prizes, trips, and gift cards!♦
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It's a fast, secure, and straightforward method to send and request money. Whether you're splitting bills with friends or reimbursing family for shared expenses, Zelle offers a convenient solution so you can skip the hassle of visiting an ATM or dealing with cash.
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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.
**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.
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| Account Type | Summary | ATM Refunds² | High Yield Interest APY¹ | Opening Deposit | Monthly Fee |
|---|---|---|---|---|---|
| High Yield |
Free checking with high-yield interest.
|
Yes | 0.01% - 4.00% | $100 | $0 |
| Cash Back |
Free checking with cash back rewards.
|
Yes | No | $25 | $0 |
| Priority |
Low Opening Deposit and Overdraft Fee Forgiveness.
|
No | No | $25 | $11.99 |
| Fresh Start |
Ideal for those with less-than-perfect checking needing to get back on their feet.
|
No | No | $25 | $20 |
| Minor/Student Accounts |
All Neighborhood Credit Union checking accounts feature:
Surcharge-Free ATMs
The MoneyPass and Allpoint ATM Networks allows our members the ability to withdraw cash at over 90,000 ATMs nationwide without charging an ATM fee.
Set Up Direct Deposit
Neighborhood CU makes it easy to switch banks. Quickly set up your direct deposit with our easy-to-use form on our website or Online Banking.
Account Overdraft Protection
Protect your checking account with overdraft protection services! Opt-in for Transfer Pay or Courtesy Pay privilege for ATM and debit transactions.
Mobile Deposit
Deposit checks right inside of the MyNCU Mobile App without ever having to visit a branch.
Card Controls
Easily turn off, on, or cancel your debit card with Card Controls inside Online Banking or MyNCU Mobile App.
Money Management
Truly begin the financial education journey with your teen with our free and easy to use budgeting software.
Questions about our accounts or membership?
Better Than Free Checking Accounts
Discover the perks of our free checking accounts! Earn high yield interest¹ or cash back rewards² on everyday purchases. Enjoy benefits like ATM fee refunds, a free debit card, and access to our convenient mobile app. With our free checking account, everyday transactions become rewarding experiences. Join us today and experience the ease of hassle-free banking.
†Qualification Cycle = the first day of the month through the last day of the month.
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.
2Cash 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.
4Restrictions apply. Priority Checking begins with a $11.99 base service charge monthly fee that can be reduced or eliminated. The fee is reduced by $1.00 each Monthly Qualification Cycle for receiving electronic statements. The fee is reduced by $.20 each time you use your debit card to make a signature-based purchase during the Monthly Qualification Cycle (purchase must be $5 or more; ATM and PIN based transactions are excluded). Qualification Cycle and Statement Cycle = the first day of the month through the last day of the month. Transactions may take one or more banking days from the date the transaction was made to post to and settle account. See the Fee Schedule here. **Overdraft Fee Forgiveness applies only to fees charged for overdraft and Courtesy Pay and is granted upon request on an annual basis. Relationship Fee refunds received during the calendar year will count toward the annual limit of $40. See the Rates & Fees page here.
5Overdraft Fee Forgiveness applies only to fees charged for overdraft and Courtesy Pay and is granted upon request on an annual basis.
6Courtesy Pay is available to qualified members after 2 days and overdraft fees apply. See Rates & Fees page for current fees.
7 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.
View the Truth-In-Savings Disclosure.
*Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle.