High Yield Checking
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
- Does not include RelyOn CU Credit Cards
- AND automatic ACH direct deposits that total $500 or more
- AND go paperless! Sign up to receive eStatements and decline paper statements
High Yield 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 Pay²
- Opening deposit minimum: $100
- Earn a minimum of 0.01% APY interest1
- Upgrade your debit card to My Rewards Gold or Platinum.
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 points redeemable for fantastic prizes!³
*Additional Fees may apply, view our Rates and Fees for full details.
†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.
²Courtesy 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.
³ 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(Opens in a new Window).
Why Choose High Yield Checking?
No Fee Checking Account
Earn Interest at 4.00% APY¹
ATM Fee Refunds¹
No Minimum Balance
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.
All Neighborhood Credit Union checking accounts feature:
Calculate your High Yield Checking Rewards
What is your average checking account balance?
What funds from other accounts could you add to earn more money?
How many times a month do you use another bank's ATM?
Our calculator is for informational purposes only and does not intend to provide financial advice. All examples are hypothetical and assumes that qualifications are met for the High Yield Checking product to illustrate the benefits of the 4.00% annual percentage rate and ATM refunds. This calculator is not intended to offer any tax, legal, financial or investment advice and does not assure the availability of or your eligibility for any specific product offered by Neighborhood Credit Union, its affiliates or any other institution, nor does this calculator predict or guarantee the actual results of any investment product. You may wish to consult an appropriate outside advisor about your financial situation.
Estimated Annual Rewards
$0.00
Estimated Monthly Rewards
$0.00
Estimated ATM Fees Refunded
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This is an estimate based on the information you provide and we do not guarantee the accuracy of these results. For informational purposes only. Actual terms will vary. This calculator is not intended to provide legal, investment, or financial advice or to indicate the availability or suitability of any Neighborhood Credit Union product or service to your unique circumstances.
Set Up Direct Deposit
Neighborhood CU makes it easy to switch banks. Quickly set up your direct deposit with our easy to fill form available on our website and in Online Banking.
Surcharge-Free ATMs
The MoneyPass and Allpoint ATM Networks allows our members the ability to withdraw cash at over 90,000 ATMs nationwide without a surcharge fee.
Mobile Wallet
Use your Neighborhood CU debit and credit cards to pay digitally on your devices with Apple Pay, Samsung Pay, Google Pay, and more.
Earn Cash, Refer Friends
Whenever you refer family or friends who do not have a membership with us you'll receive $100.00* when they open a new member checking account.
Send Money with Zelle®
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.
GreenPath Financial Wellness
With free access to money management and financial education services, GreenPath is a non-profit that partners with you to achieve your financial goals.
Want to compare our accounts side by side?
Click the "Compare Accounts" button to explore in-depth.
Compare Accounts
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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 |
MyNCU Mobile App
Use our award-winning app to manage your accounts, deposit checks, make transfers, and more.
Frequently Asked Questions
Joining a credit union is easier than you think! There are several ways you're able to become a member, and you even qualify simply if you have a family member that does.
You're eligible if you simply live in the state of Texas. You can also qualify for membership if you live or work in Dallas County, Ellis County, Denton County, Collin County, or Tarrant County; live or work within a 10 mile radius of the Coppell(Opens in a new Window), Grand Prairie(Opens in a new Window), or Highland Village(Opens in a new Window) branches; employed by or retired from a company served(Opens in a new Window) by Neighborhood CU.
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)(Opens in a new Window) and convenience services(Opens in a new Window)(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 multiple locations in the DFW Metroplex(Opens in a new Window)(Opens in a new Window).
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
Why Neighborhood Credit Union is a great choice for checking, savings, and loans.
With over 90 years of experience, Neighborhood Credit Union knows how to help people reach their financial goals.
We now have several branches across the DFW Metroplex. We proudly provide our members with customized savings accounts and competitive rates.
As a not-for-profit, we pass savings on to you through greater returns. We also invest in technology to offer a top-of-the-class online and mobile banking experience. You can manage your accounts easily through online banking or our mobile app for iOS or Android.
At Neighborhood Credit Union, we’re committed to guiding you every step of the way toward financial security.
