Minimum Opening Deposit
This account requires a direct deposit. A $25.00 deposit is required to open this account.
$25.00
Monthly Service Fee
A $6.00 Below Minimum Fee applies if your total average monthly deposit balance is below $1,500.00.
$10.00
Interest Rate
If you meet qualifications, you can earn1.87% on balances up to $10,000.00, 0.10% over $10,000.00. APY is 0.05% if qualifications are not met.To qualify for the bonus rate, each month you must: - Make at least 10 debit card purchases; - Have at least one direct deposit; - Receive monthly statements electronically.
up to 1.87%
Debit Cards & Using ATMs
Debit Card
$0.00/yr
ATM Fee Reimbursements
$1.00, ATM refunds up to $4.99 per transaction, maximum monthly ATM refund is $20.00
Yes
Non-affiliated ATM Usage Fee
There is a $1.00 fee each time you use a non-affiliated ATM.
$1.00/per use
International ATM Usage Fee
There is a $1.00 fee each time you use an ATM in another country. In addition, there is a fee calculated as a small percentage of the total amount withdrawn.
$1.00/per use
Electronic & Telephone Banking
Online Bill Pay
Free
Mobile & Text Banking
This institution supports:- A text messaging service to view account balances, view recent activity, receive alerts;- A downloadable mobile application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- An iPhone application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- An Android application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs.
Free
Deposit Checks with Mobile Phone
This feature is available on the iPhone, iPad, and Android mobile application.
Free
Person-to-Person Payments
Zelle-Free
Free
Email Alerts
This Email Alert feature enables you to receive:- Warnings when your balance falls below a certain threshold;- Notice of deposits or withdrawals over a certain threshold;- Confirmation that bills have been paid;- An email to let you know there's a secure message for you in Online Banking;- Priority Online Account notifications (i.e., change of password).
Included with Online Banking
Automated Phone Banking
Free
Checks & Statements
Unlimited Check Writing
Yes
Free or Discounted Checks
No
Monthly Paper Statements
Yes
Check Images with Statements
Not Included
Online Statements
Yes
Online Check Images
Images of canceled checks can be viewed online.
Yes
Overdrawing the Account
Returned Item Fee
The Insufficient Funds Fee is $25.00 per overdraft.
$25.00/per item
Overdraft Protection
This checking account has 3 options for Overdraft Protection.From a linked Savings Account:- Transfer fee of $4.00. The transfer fee is charged per day;- Funds are transferred to bring the account balance to $0.00.From a linked Alternate Checking Account:- Transfer fee of $4.00. The transfer fee is charged per transaction;- Funds are transferred to bring the account balance to $0.00.From a linked Overdraft Line of Credit:- Transfer fee of $4.00. The transfer fee is charged per transaction;- Funds are transferred in fixed increments of $100.00.
Available
About Neighbors Federal Credit Union
Neighbors Federal Credit Union is based in Baton Rouge Louisiana and offers checking, savings, loans and investment services from its 7 locations to people in Baton Rouge and its surrounding area.