RelyOn Credit Union Merger Guide

Your Welcome Guide will be arriving via USPS sometime in mid-November. This has the critical information you need for your new membership number, account and loan numbers. If you do not receive your guide by December 5th, please contact us by calling 214-748-9393 or send us a message here. 

Your $5 membership share held with RelyOn CU will automatically transfer into a new membership savings account. Please note that this $5 par value will not be reflected in your available balance.

For the first six months of your membership at Neighborhood CU, the $5 monthly Minimum Relationship Fee is waived. After this period, the fee will only apply if your Prize Savings or Membership Savings account balance falls below $500 and there are no other deposit or loan relationships with Neighborhood CU.

If you were enrolled in eStatements at RelyOn CU, you will automatically be enrolled for eStatements at Neighborhood CU. If not, avoid the $4.95 Paper Statement Fee by signing up for eStatements! Simply opt out of paper statements under the eStatements menu in your Online Banking account after registering.

If you are expecting an INT-1099 for the 2024 tax year, any information from both RelyOn CU and Neighborhood CU will be merged into a single INT-1099. This document will be available in your Neighborhood CU Online Banking portal by January 31, 2025.

Your account has been converted to our Cash Back Checking. This free account earns cash back, requires no minimum balance, and you can earn additional perks based on participation. Courtesy Pay privileges will be available immediately if you were enrolled at RelyOn CU.

Your account has been converted to our High Yield Checking. This free, interest-earning account has no minimum balance requirements, and offers additional perks based on participation. Courtesy Pay privileges will be available immediately if you were enrolled at RelyOn CU.

Your account has been converted to our Fresh Start Checking. This account has a $20 monthly fee, but you can upgrade to another checking account after six months of good standing. Courtesy Pay privileges will be available immediately if you were enrolled at RelyOn CU.

To order new checks for your Neighborhood CU account, see how you can order checks online.

Update Your Direct Deposit

Re-establish Bill Pay and Automatic Transfers

Access to the RelyOn CU online banking and the mobile app is no longer available. 

Manage your accounts from home using our Online Banking platform. You can check your balance, set up account alerts, transfer funds, pay bills, make loan payments, open new accounts, and much more.

Our mobile app provides the same convenience on your smartphone or tablet. Deposit checks, transfer funds, pay bills, and manage your account on the go.

The last day to use RelyOn CU’s mobile check deposit service is December 5, 2024, at 5 PM. Starting immediately after, you can use Neighborhood CU’s mobile check deposit feature through the MyNCU Mobile App.

Please note: Until January 7, 2025, mobile deposits will be subject to a 7-day hold and a $1,000 deposit limit. After January 7, 2025, the deposit limit will increase to $10,000.

Zelle® makes it fast, safe, and easy to send and request money. Funds are transferred directly into the recipient’s account within minutes using their email address or U.S. mobile phone number. To access Zelle, open the MyNCU Mobile App, log in, and tap the Pay icon at the bottom of the screen.

With 17 locations throughout the DFW Metroplex, Neighborhood Credit Union is ready to meet your financial needs. Use our branch locator to find a nearby branch or one of over 90,000 surcharge-free ATMs nationwide and internationally. Look for ATMs with the Allpoint or MoneyPass logos to enjoy fee-free transactions.

Forney and Kaufman ITM Updates

Starting December 5, 2024 at 3 pm, the ITMs at the Forney and Kaufman branches will temporarily offer ATM-only services, allowing you to withdraw cash or check your balance. To make a deposit after-hours, please use the Night Drop.

Early next year, these machines will be fully upgraded to ITMs that enable check and cash deposits, money transfers, loan payments, and more. We will email members as updates become available.

Branch Services

• Night Drop services at the Forney and Kaufman branches will be available until December 31, 2024.
• Traditional drive-thru service will continue at both branches until further notice.

Instant Issue Debit Cards

• Forney
• Arlington
• North Dallas
• Anna (coming later in 2025)

Please note, the Kaufman branch will no longer offer Instant Issue debit card services.

Automatic Payments

How to Make a Payment

1. Online Banking: Log in > Move Money. In the Move Money option, you can transfer a single payment or set up automatic recurring transfers from your Neighborhood CU account.
2. MyNCU Mobile App: Log in and navigate to More > Make a Loan Payment. You can transfer a single payment or set up automatic recurring transfers from your Neighborhood CU account.

1. Online Banking: Log in and select Additional Services > E-Payments to make a payment from an external bank account.

1. Send a check or money order payable to Neighborhood Credit Union, including your loan account/MICR # on the memo line, to:

Proof of Insurance - Collateral Protection Insurance (CPI)

At your earliest convenience, members with an auto loan should update the lienholder by contacting your insurance provider or updating it easily through your provider’s mobile app (if available) to:

No further action is needed from you, as the insurance company will then provide NCU with the necessary proof of insurance.  

We must verify that members have the proper comprehensive and collision coverage for their auto loan in order to avoid charging CPI. We need information from the insurance policy: the amount of the deductible ($1,500 or less) and showing Neighborhood CU as the lienholder. Note that Insurance ID cards are not acceptable as proof of insurance. 

However, due to our recent merger, you can enroll with Neighborhood Credit Union for similar coverage starting on December 1, 2024.

If you’d like to continue or add coverage, please fill out this form for each loan using the RelyOn CU loan number. Drop off at any branch, scan and email to LoanSupport@myncu.com, or mail to: Neighborhood CU, Attn: Loan Support, PO Box 803476, Dallas, TX 75380.

 

Cost is per $100 of the monthly outstanding balance.

RelyOn CU Option	Per $100	Neighborhood CU Equivalent	Per $100
Single Life	$0.075	Single Life Plus	$0.135
Joint Life	$0.113	Joint Life Plus	$0.135
Single Disability	$0.231	No Equivalent	n/a
Joint Disability	$0.347	No Equivalent	n/a
Single Life & Disability	$0.306	Single Life Plus & Disability	$0.281
Joint Life & Disability	$0.460	Joint Life Plus & Disability	$0.281
Joint Life & Single Disability	$0.344	No Equivalent	n/a

New Neighborhood CU Options	Per $100
Single Life Plus, Disability, & Involuntary Unemployment	$0.372
Joint Life Plus, Disability, & Involuntary Unemployment	$0.372

Call: 214-748-9393

Sometimes the quickest way to receive assistance is through sending us a message. If you need to include information such as your member number, send us a secure message (see below). Send us a message >>

After you have set up your online banking account and you are needing to include private information (such as your member number), please message us by sending a secure email or starting a secure chat:

• Eventually, yes, we are working quickly to combine both credit union systems. It is expected to be completed sometime in 2025.
• Until the credit union systems are combined, RelyOn CU members cannot access Neighborhood CU branches or services until after we've combined both credit union systems. 

• Yes. You will still be able to conduct your banking transactions at the Kaufman and Forney locations.

• You will have two accounts after the systems are combined.  Your Neighborhood CU account will become your primary membership account. Your RelyOn CU account will become a secondary account.  We will combine both accounts upon your request.

• Neighborhood CU is a larger financial institution than RelyOn CU and has the resources to provide more convenience and more services than RelyOn CU can. These are some of the ways you will benefit from becoming a member of Neighborhood Credit Union:
  • Multiple checking and savings options, including accounts with cash back rewards, prizes for saving money and accounts for students.
  • Loan rates comparable to or better than what RelyOn already offers, and access to more lending options.
  • More banking locations throughout North Texas (15, will soon be 17 including Forney and Kaufman).
  • Live chat online.
  • Overall better technology for conducting your banking.
  • Access to retirement and investment services.

When you call Neighborhood Credit Union, our Virtual Assistant, Nick, is here to help you find answers quickly and conveniently.

With cutting-edge technology, Nick ensures 24/7 service to our members, providing a seamless experience any time of day.

What Nick Can Help You With:

• Resetting your mobile banking password
• Reporting a lost or stolen card
• Providing branch information (hours, locations, closures)
• And much more!

Nick is always ready to assist—just call 214-748-9393 (local) or 800-321-3728 (toll-free), and Nick will answer.