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 banking
• 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

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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 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

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Features

• No minimum deposit
• Free VISAź Check Card
• Free online banking
• Free Bill Payment Service
• Immediate credit on most deposits
• Access to over 25 Surcharge free ATMs through the EZ Connect Network
• Free VISA Check Card

Young Adults under the age of 18 will need a parent or legal guardian on the account.

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Platinum Elite Checking- Earn CD like Interest on your Checking account

• Maintain $1,000- $5,000 to earn 3.04% APY
• Free VISA check card
• Free Online Bill payment service & home banking
• 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

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 For $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
• This account type may be made available:
  • 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

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