"Classic Checking" from Neighbors Federal Credit Union

The Basics

Minimum Opening Deposit
 
$35.00
A $35.00 deposit is required to open this account.
There is a $5 one-time membership fee to become a member of Neighbors FCU. This account is designed for customers who may have difficulty opening account due to bad credit history. There is a mandatory hold on all deposited checks.
Monthly Maintenance Fee
 
$5.00
The Monthly Service Fee of $5.00 can be waived by:
- Maintaining an minimum combined daily balance of $300.00 in your checking and savings accounts.
- Having a loan with Neighbors FCU.
- Being 65 or older.

Debit Cards & Using ATMs

Debit Card $0.00/yr
Non-affiliated ATM Usage Fee
 
$1.00/per use
There is a $1.00 fee each time you use a non-affiliated ATM.
International ATM Usage Fee
 
$1.00/per use
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 In addition, there is a fee calculated as a small percentage of the total amount withdrawn.

Electronic & Telephone Banking

Online Banking
 
Free
In addition to the standard online banking features, this service includes personal finance tools for budgeting and planning.
Email Alerts
 
Included with Online Banking
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).
Online Bill Pay Free
Mobile & Text Banking
 
Free
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.
Deposit Checks with Mobile Phone Free
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
 
Yes
Images of canceled checks can be viewed online.

Overdrawing the Account

Returned Item Fee
 
$32.00/per item
The Insufficient Funds Fee is $32.00 per overdraft.
Overdraft Protection
 
Available
This checking account has 3 options for Overdraft Protection.
From a linked Savings Account:
- Transfer fee of $3.00. 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 $3.00. 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.

Savings and Money Market Accounts

Member Share Savings
 
$5.00/month
'Member Share Savings' requires $5.00 to open and $100.00 to earn interest.
Current APY Information:
- 0.20% on all balances of $100 or more.
The account has a monthly service fee of $5.00. This account is required to be a member of Neighbors FCU. This fee can be waived if you:
- Qualify as a Senior;
- Maintaining an average combined balance of at least $300 across all deposit accounts.
Money Market
 
$5.00/month
'Money Market' requires $2500.00 to open, $2,500.00 to earn interest.
Current APY Information:
- 0.20% at minimum balance to earn interest;
- 0.20% at minimum balance to avoid fees;
- 0.35% at $25,000.00
The account has a monthly service fee of $5.00. This fee can be waived if you maintain a minimum balance of $2,500.00.
*Variable rate may change; Please contact Neighbors Federal Credit Union to confirm rate; Fees may reduce earnings.

How To Reach Neighbors Federal Credit Union

Call: 866-819-2178

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.

 

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