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Checking

Reward yourself with an NCACU Checking account, which includes the following benefits:

  • Free ATM/Debit card with access to over 30,000 surcharge-free ATMs nationwide.
  • Free unlimited Online Banking.
  • Free Mobile App with Remote Deposit Capture and Card Control.
  • Free Mobile & Text Banking.
  • Free Bill Pay with Pay Anyone.
  • Free e-Statements, e-Alerts, e-Notices.
  • Free Debit Card Round Up
  • Free notary service.
  • Free $2,000 accidental death insurance policy.
  • Bonuses on share certificates (CDs) with direct deposit.*

Don’t Want To Wait For Your Pending Deposit?  No Worry!

You can now access the funds pending in your account! Log into your Online Banking or Mobile App and click “Post Now” next to the pending amount and they will be in your account.

Split $100* With Your Friend or Family Member

When you enroll in an active checking* we will deposit $50 into your account.

When you refer a friend or family member to open an active checking you can split $100, $50 for them and $50 for you.

Direct Deposit

With direct deposit, your payroll, Social Security, or SSI payment goes straight to your checking or savings account. Money is delivered electronically to your account, no standing in line or worries about checks being lost or stolen. Your money is always there on payment day as soon as the credit union opens.

Direct deposit is the best way to get your payments. It’s safer and easier, and it gives you more control over your money than payroll or a mailed check.

Go Direct! Call the toll-free Go Direct helpline: 800-333-1795 or go online to sign up or for more information.

The Go Direct campaign is sponsored by the U.S. Department of the Treasury and the Federal Reserve Banks. The Go Direct word and design mark is a registered service mark of the U.S. Department of the Treasury.

Courtesy Pay

Courtesy Pay protects you from the embarrassment of returned checks, and merchant returned checks. Courtesy Pay is a service that allows us to pay an item presented against your checking account even if it causes the account to become overdrawn. The system allows you to draw up to $500 over your account balance; a $30 overdraft fee will be included in this amount. The member is then given 30 days to bring their balance current. If additional checks are written when the balance is deficient an additional fee of $30 will apply. To qualify for Courtesy Pay your account has to be open for at least 60 days with the credit union. For more information on Courtesy Pay contact your local NCACU branch.

Overdraft Protection

North Central’s overdraft protection is a service that allows the credit union to automatically pull money from a savings account to pay an overdraft from a checking account. This keeps checking accounts from having a non-sufficient fund fee. The charge for this protection is $5.00 per overdraft.

The overdraft reimbursement option is when you actually apply for a revolving loan to cover an insufficient balance in your checking account. This service has credit score requirements, income verification, credit report, and a signed contract just like a regular unsecured loan. This loan usually has a high interest rate attached and may be subject to service charges.

*See credit union for details.

We Have Been Notified of Phishing Attacks That Have Spoofed NCACU. Please DO NOT click on any links or give out Personal information by text, email or phone. When in doubt call the Service Center.