Checking Accounts
Checking Accounts made for you
Neches Checking Accounts
Find the perfect checking account to match your needs.
Debit Cards with Rewards
Rewards with everyday purchases
.10% APY*
No Monthly Fees
Instant Issue Debit Card
Member Plus High-Yield Checking
6.00% APY*
No minimum balance
Instant Issue Debit Card
No Monthly Fees
nPower Youth Checking
For members 8-17 years old
10.00% APY* on the first $500 in the account
Rewards for everyday purchases
No Monthly Subscription Fee
Instant Issue Debit Card
Parental Control Options
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APY*
APY*
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Minimum Balance
Minimum Balance
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Debit Card Available
Debit Card Available
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Rewards
Rewards
nPower
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APY*
10.00% on first $500.00
-
Minimum Balance
$0.00
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Debit Card Available
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Rewards
Debit Card with Rewards
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APY*
.10%
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Minimum Balance
$0.00
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Debit Card Available
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Rewards
Member Plus High-Yield Checking
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APY*
6.00%
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Minimum Balance
$0.00
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Debit Card Available
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Rewards
Features & Benefits
Stay on top of everyday financial obligations with powerful and easy-to-use features.
Digital Banking With BillPay
Manage bills online with ease using free BillPay and set up one-time or recurring payments.
Nationwide Access
Access cash at 30,000+ fee-free ATMs and bank at participating Shared Branches nationwide.
Contactless Debit Card
Simply hold or tap your card on a contactless card reader and safely process your payments quickly.
Get Paid Early
Receive your paycheck up to two days early with Direct Deposit.
Overdraft Protection
Stay covered and avoid fees with Overdraft Protection for your account.
Rates
|
Minimum Balance |
APR |
APY |
|---|---|---|
|
APY= Annual Percentage Yield |
||
|
Minimum Balance $500.00 |
APR 0.10% |
APY 0.10% |
|
Minimum Balance |
APR |
APY |
|---|---|---|
|
APY= Annual Percentage Yield |
||
|
Minimum Balance $50.00 – $500.00 |
APR 9.57% |
APY 9.57% – 10.00% |
|
Minimum Balance $500.01 and Up |
APR 0.10% |
APY 0.10% |
FAQs
It’s quick and simple to open a checking account online by applying here. You can also stop by one of our branches, and a Neches team member can assist you.
A member of our Neches team can instantly issue you a debit card by visiting our branch or calling 409-722-1174. We can also mail one to you.
Funds can be easily deposited by providing our routing number – 313187636 and your account number to the party initiating the deposit. To obtain your account number for direct deposit, please log into online banking. Click on the appropriate account, click “Details” and use the number provided in the ACH/Direct Deposit number.
Yes! Member’s can have multiple checking accounts, with a debit card for each one. Apply online or stop by one of our branches to add another checking account.
Wire to:
Catalyst Corporate Federal Credit Union
6801 Parkwood Blvd
Plano, TX 75024
Routing Number: 311990511
Credit to:
Neches Federal Credit Union
676 Magnolia Ave
Port Neches, TX 77651
Account Number: 313187636
Further Credit to:
Account Number:
Member Name:
Not finding what you’re looking for? Contact us
Open a Checking Account Today
Adding an account to your Neches membership is easy. Reach out to us to get started.
Disclosures
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*Some restrictions apply. APY=annual percentage yield. ADB=average daily balance. APY accurate as of 9/16/2024. Rates may change after account is opened without notice. Average daily balance of $0 or greater is required to earn dividends. Total APY for all balances will range from 0.10% -6.00% if ADB is $0.00 or greater. If you meet the minimum qualification requirements during the calendar month qualification cycle, an APY ranging from 5.84%-6.00% will apply to balances up to $25,000, and for balances greater than $25,000, an APY of 0.10% will apply. The minimum qualification requirements during the calendar month qualification cycle are enrolling in e-statements, having an aggregate direct deposit of $0.00 or more, and completing 20 debit card transactions. See nechesfcu.org for complete terms and conditions. Insured by NCUA. *Accurate as of the time of this publication. The National Average rate referenced is from the NCUA’s Credit Union and Bank Rates Report.
1Some restrictions apply. Faster access to funds is based on a comparison of traditional banking policies and deposit of paper checks from employers and government agencies verus deposits made electronically. Direct deposit and earlier availability of funds are subjects to payer’s support of the feature and timing of payer’s funding. Debit Card points are earned on signature-based transactions. Members must register their card at UChooseRewards.com to start earning points.