Benefits Checking

Are you a fan of earning exclusive advantages AND interest? If so, Benefits Checking is the account for you.¹  Open your account today!  With Benefits Checking you’ll earn interest on your balances, enjoy no minimum balance requirement, and take advantage of these great services:

• IDProtect^® – identity theft monitoring and resolution service²
• Up to $10,000 of 24-hour Accidental Death & Dismemberment Insurance³
• Up to $100,000 of Common Carrier Coverage³
• Cellular Telephone Protection (cellular bill must be paid through Benefits Checking account) ³
• Travel and Leisure Discount Membership*
• Health Discount Savings* – on vision and prescriptions
• $hopping Rewards™*
• Cash Back Member Rewards*
• Gas and Gift Card Discounts*

Free Checking

Does your balance vary throughout the month? Are you looking for a free, simple checking account to make managing your everyday finances easy and convenient?  If so, Free Checking is the account for you.  Open your account today!  You’ll enjoy no minimum balance requirements, no per-check fees, and no monthly fees, with all the great convenient access options available including debit, online and mobile banking.

Interest Checking

Do you take advantage of direct deposit and prefer to keep a higher balance in your checking in order to earn interest on your balances?  If so, Interest Checking is the account for you.⁴  Open your account today!  To earn interest, simply maintain a minimum $2,500 balance and have your regular direct deposits made to this account.³

SMART Checking

SMART Checking is designed specifically for our members ages 13-22.  This free checking is the ideal way for teens and young adults to manage money.  Members benefit with no minimum balance requirement as well as convenient debit card, online and mobile access.  Open your account today!  

Convenient Access & Options for ALL Checking Accounts

No matter which checking account you choose, you’ll enjoy the convenience and benefits of:

• Receive your direct deposit up to 2 days early (when these funds are received by the payer prior to the anticipated deposit date).** There are no extra steps for you to take advantage of this. 

• Free online banking, mobile banking and text alerts, smartphone & tablet apps⁶
• Free mobile deposit that lets you deposit checks from anywhere via our apps⁶
• Free Purchase Rewards that give you cash back from participating retailers
• Free Money Management for budgeting and managing your money
• Free Visa^® debit cards, direct deposit & eStatements
• Free access to 5,000 Shared Branches and 30,000 CO-OP Network ATMs nationwide
• And more

¹ $5 monthly fee

² IDProtect service is a personal identity theft protection service available to account owner(s) and joint account owners. The service is available to non-publicly traded businesses and their business owner(s) listed on the account (service not available to employees or authorized signers who are not owners). Service is not available signers on the account who are not account owners, nor to clubs, organizations and/or churches and their members, schools and employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member (fiduciary is not covered).

³ Insurance Program descriptions are summaries only. They do not include all terms, conditions and exclusions of the policies described; refer to actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Guide to Benefit is provided at time of account opening.

⁴ $10 fee if the balance falls below $2,500 during the month; $5 fee if direct deposit is not present during the month.

⁵ Message and data rates may apply from your wireless carrier; must be enrolled in online banking to activate.

*Registration and/or activation required; terms and conditions apply.

** There is no guarantee of early direct deposit receipt; early access to direct deposit funds depends solely on the timing of the payment file sent by the payer. This date is determined by the payer, not the Credit Union.

Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.

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Neighbors Routing Number: 281082384

With the combination of federal and private insurance, Neighbors Credit Union currently insures your deposit accounts to at least $500,000 and your Individual Retirement Accounts to at least $500,000!