Smart Checking

Smart checking is our FREE checking account, which has been designed to meet your needs, and provide services that will fit your busy lifestyle.

Features

• Minimum $50 opening deposit
• Unlimited withdrawals/deposits at NCCU offices
• FREE online Home Banking
• Mobile Banking service
• Immediate credit on most deposits
• Access to more than 25 Surcharge free ATMs in the EZ Connect Network
• No monthly service charge
• FREE VISAź Check Card
• FREE Bill Payment service
• Courtesy overdraft privilege if requirements are met

Money Market Checking

Our money market account has been designed to give you a high yield account that will allow you access to your funds as you need them. This account has no monthly service fee as long as $2,500 is maintained as a daily balance.

Features

• Minimum $2,500
• FREE online Home Banking
• Immediate credit on most deposits
• Write up to 6 checks per month with no fee
• No monthly service charge if you maintain a minimum daily balance of $2,500

Achieve Your Financial Independence

Discover the importance of managing your own checking account!

The Youth Checking Account at NCCU is designed for teenagers (13-17) who would like the convenience and security of having a VISA check card to make retail and online purchases.

Enjoy the benefits:

• No minimum balance or monthly service charge*
• FREE VISAź Check Card
• Mobile Banking access
• FREE Online Home Banking
• FREE Bill Payment Service
• FREE E-Statements
• Immediate credit on most deposits
• Four convenient locations
• Automatic payroll deductions
• Access to over 25 Surcharge free ATMs through the EZ Connect Network
• Anytime phone access through Gabby, our automated phone teller
• FREE Notary Public service
• Online calculators 

*Some restrictions apply. No overdraft protection available on this account. ATM/POS daily withdrawal limits apply. We reserve the right to close the account anytime. A parent/guardian-signed consent agreement is required for this account.

Platinum Elite Checking
Earn CD like Interest on your Checking account

• Balance up to $5,000 earns 2.50%*
• Balance of 5,001 and above earns 1.00%
• FREE VISA check card
• FREE Home Banking with regular activity
• Immediate credit on most deposits
• Access to over 25 Surcharge free ATMs
• To qualify: you must do 15 check card transactions each month
• Have Direct Deposit
• Receive Statements Electronically

*If balance falls below $1,000 no dividends will be earned for the month.

For our member trying to rebuild credit or improve their financial history, we are pleased to offer “Opportunity Checking” to qualified applicants*

Account Features

• $50 deposit to open the account
• Low $10 monthly service charge
• Low-cost checks available
• Visaź Check Card (additional $5 monthly for qualified applicants)
• No minimum balance required
• Must maintain a positive balance in the account (when a NSF fee takes the account balance below 0, you must deposit immediately to avoid immediate closure without notice)
• Not eligible for courtesy overdraft privilege
• You may want to inquire about the availability of this type account if:
  • when a primary or joint account owner’s credit score is less than 625
  • when there are 3 or more “now delinquent” accounts on their credit reports
  • or when there is a negative Chex system report on either owner
  • or when either owner has filed bankruptcy
  • or when the credit union has experienced negative history with either owner