Student Banking
It's never too early to start healthy financial habits.
For students 13 to 17 years old at account opening with their parent or guardian as co-owner.
Free Checking with Cash Back
Earn 3% cash back on purchases for a maximum of $6 each month and ATM fee refunds¹
Cash Back Account Benefits
- Free checking with no minimum balance required
- Opening deposit minimum: $25
- Ages 13+ are eligible for a free debit card
- Securely manage accounts through Online Banking and Card Controls
- Money not in the account? Don't worry - purchases won't be approved if the funds are not available.
To Qualify for Cash Back Rewards
Cash Back Checking is a free checking account, even if you don't qualify every month. 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 withdrawal fee refunds of up to $15¹:
- 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
Membership Savings0.10% APY² |
| Minimum Deposit: $25 |
| A savings account for teens. Start saving for a car, college, or to simply begin healthy savings habits early! |
Certificates of Deposit3.50%-4.00 % APY² |
| Minimum Deposit: from $500 |
| Interested in putting your teen's savings to work? We have multiple terms and rates available for a low-risk investment in a CD. |
Christmas Club0.10% APY² |
| Minimum Deposit: $100 |
| A fun holiday twist to saving - save all year long and access your funds in early November. |
| Open now |
High Yield Savings3.00% APY² |
| Minimum Deposit: $10,000 |
| 24/7 access to funds and no maintenance fees. |
| Looking for somewhere safe to put your teen's large savings? Open a High Yield Savings and earn a higher rate than with a Regular Savings without locking up funds in a CD. |
MyNCU Mobile
Your teen can bank on the go with our award winning mobile app! Securely and conveniently check account balances, deposit checks, pay friends and family, make transfers, and more.
Mobile Deposit
Skip the branch visit and conveniently deposit checks through the MyNCU Mobile App with the click of a button.
Card Controls at Your Fingertips
Control where your teen spends and easily turn off/on or cancel your debit card with Card Controls in Online Banking or the MyNCU Mobile App. If you need to report the card lost or stolen, quickly do so with Debit Card Lost/Stolen.
Stay Contactless with Mobile Wallet
Teens can connect their Neighborhood CU debit cards to pay digitally on mobile devices with Apple Pay, Samsung Pay, Google Pay, and more.
Biometric Security
Our MyNCU Mobile app uses the latest in biometric technology to secure your teen's mobile banking. Access is easy using facial recognition, fingerprints, or a username and password.
Online Banking
You and your teen can manage all aspects of their account online, setting them up with good financial habits with Money Management from the get-go.
Money Basics for You and Your Teen
Checking AccountsLearn how checking account features work.
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OverdraftsImplications of overdrawing your account.
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SavingsSavings account options and developing savings habits.
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Emergency SavingsChange your savings habits and build savings over time.
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Advanced Basics
Credit Scores & ReportsLearn the importance of your credit score, how to protect your credit, and factors that impact your credit report.
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Identity ProtectionLearn how to protect yourself from consumer fraud and theft.
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TaxesLearn about different types of taxes, tax forms, and how taxes impact your paycheck.
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Financial Calculators
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All Neighborhood Credit Union checking accounts feature:
Locations Across Dallas - Fort Worth
We have multiple locations across the Dallas - Fort Worth Metroplex that offer drive thru service and safe deposit boxes. Explore all of our locations or better yet, make a virtual appointment with our branch staff and talk to someone face to face.
Alerts & Notifications
Be aware of low funds and get regular balance updates in Online Banking, email, and your mobile device.
Simple Saver
Easily set up reoccurring transfers to your savings to encourage healthy savings habits without even thinking about it.
Text Message Banking
Quickly access to your account balances, view recent transactions and more through a simple text.
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?
Over 18? You qualify for your own account.
†Qualification Cycle = the first day of the month through the last day of the month.
1Cash 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.
²APY = Annual Percentage Yield.
View the Truth-In-Savings Disclosures.