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CompleteCare Checking is on its way - September 1, 2025

With its unique and wide range of lifestyle, protection and financial perks and benefits, this new value-rich account is simply more….COMPLETE!
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Get started with CompleteCare checking.

>>> If you WERE NOTIFIED by letter or email that your current checking account is moving to CompleteCare checking, CLICK HERE!

Starting on September 1, 2025,   you can to start taking advantage of the benefits and features your CompleteCare account1 offers:

 

  • Up to $10,000 in ID Theft Expense Reimbursement Coverage 2 – To cover expenses associated with restoring your identity. (Call 1-866-210-0361 to file a claim).

  • Fully Managed Identity Theft Resolution Services – Access to a dedicated fraud specialist assigned to manage your case until your identity is restored.

  • Identity Monitoring – Monitoring of more than 1,000 databases and public records to identify suspicious activity, including credit header information, phone records, United States Postal Service records, and more. A risk rating is generated with each monthly scan and if your scan reflects a high-risk score, you will be notified. (registration/activation required)

  • Dark Web Monitoring – Monitor your personal information on the dark web and receive alerts when your personal information is exposed online with our Dark Web Monitoring identity theft prevention product, also known as cyber monitoring. (registration/activation required)

  • CyberRecover powered by DynaRisk – Get 24/7 access to personal cyber advocates who can help defend against extortion, ransomware, online fraud, gaming security risks and more. Stay protected with expert support when you need it.

  • Cellular Telephone Protection 2 – Receive up to $600 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. $50 deductible applies. Up to two claims and maximum of $1,000 per eligible account, per twelve-month period. Covers up to four phones on a cellular telephone bill. (Cellular telephone bill must be paid using this account.) Need to file a claim? Call 1-866-210-0361.

  • Roadside Assistance Service 2 – 24-hour coverage for roadside assistance services including vehicle towing, fuel/oil/fluid/water delivery, and battery/lock-out/tire assistance up to $100 per occurrence. Maximum of two occurrences per twelve month period.

  • RideShare Protection 2 – Up to $100,000 of accidental death and dismemberment coverage and $10,000 of accident medical expense benefit if injured while traveling in a vehicle operated by a transportation network company, as defined in the insurance certificate. Coverage also includes up to $250 personal property benefits for replacement of property stolen, damaged, or destroyed due to an accident while traveling in a vehicle operated by a transportation network company. (Travel costs for rideshare must be paid for through this account or a credit card issued by NIHFCU). Need to file a claim? Call 1-866-210-0361.

  • Travel and Leisure Discounts – Money-saving discounts from thousands of local and national businesses- redeem and print coupons online or access discounts from a mobile device. Digital access makes saving super easy and convenient, giving instant savings anywhere, anytime. (available via mobile and web only)

  • Debit Advantage® – Buyer’s Protection2 and Extended Warranty2 — (Item(s) must be purchased entirely with this account for coverage.) Need to file a claim? Call 1-866-210-0361.

Starting on September 1, registration and activation of the above are easy! (Some require no-fee registration and must be requested or activated)

In Online Banking – starting on September 1
1. Log in to our NIHFCU online banking account
2. On the top navigation bar, select “CompleteCare Benefits”
3. You will then receive a dashboard to access any one, or all, of the above benefits
On our Mobile App – starting on September 1
1. Tap to open your NIHFCU Apple or Android App
2. On the bottom navigation bar, select “More”
3. Then, choose “Manage Accounts” and then “CompleteCare Benefits”
4. You will then receive a dashboard to access any one or all of the above benefits

 

(Call 1-866-210-0361 for questions related to any of the above benefits, or for assistance with registration and activation.)

Additional benefits of CompleteCare Checking include:

  • Early Direct Deposit: Set up eligible direct deposits with your employer, Social Security, or Retirement Benefits to automatically get paid up to two days early.

  • No NIHFCU fees at any ATM, nationwide: NIHFCU will not charge you any fees when you withdraw money from your NIHFCU accounts at any ATM– not our ATMs, or those of any other financial institution, nationwide.3

  • Credit score and report monitoring: Access your credit score, credit report, and other credit management tools 24/7. (Enrollment in My Credit Rx required).

  • Loan discount: Get a 0.25% discount off your approved signature and auto loan rate with automatic debit of loan payment from your NIHFCU savings or checking account

  • Fee Wires: All incoming domestic and international wires are free. Plus, get two free outgoing domestic wires per month.

  • A free box of Standard Checks every 12 months

  • A free cashiers check each month

  • No fee paper-statements.  Waiver of the standard $2 fee if you elect to receive your monthly statement by mail

Frequently Asked Questions:

Will my account number and other account arrangements be changing?

  • No, your account numbers, debit cards, direct deposit/withdrawal arrangements, or mobile & online access will not change.

Is there a monthly fee for this account?

  • This is your choice. The nominal fee for CompleteCare Checking with all its values and perks is $6.95/month (or the equivalent of less than just 23 cents per day).  However, if you maintain an average daily balance of at least $20,000/month in this account, this nominal monthly fee will be waived.

> > >   Remember: A single use of one or any mix of these valuable savings, protections, and benefits could more than cover the nominal fee for a month, several months, or more!  
Is there a trial period to check out this account before the fee is assessed?

  • Yes, for those current checking account members who have been notified of this move, you can test out the CompleteCare Checking perks through September 30, 2025. After this date, the monthly fee, if you do not qualify for the above waiver.

I feel I may be better suited for a different checking account.  What do I do?

  • If you prefer another checking account or have other questions regarding CompleteCare Checking and the September 1, 2025 transition, please call us at 1-800-877-6440. Or email us at nihfcu@nihfcu.org  and we will get back to you quickly.

 
>>> If you DO NOT have CompleteCare Checking or not sure, then CLICK HERE!

If you do not have an NIHFCU checking account, did not receive notification that your current NIHFCU checking account is transitioning CompleteCare Checking on September 1, 2025, or you are not sure, then you definitely want to lean more!

 

  • Our brand new CompleteCare Checking account is loaded with an extraordinary array of lifestyle, protection, and financial perks that you don’t want to miss.

To learn more about all the exciting CompleteCare checking details, and to open yours.

  • Visit nihfcu.org starting on September 1 to apply on line, or

  • Visit any NIHFCU branch, or

  • Call us at 1-800-877-6440

 

 

 

Rates, fees and terms as of July 26, 2025 and subject to change without notice

1 Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, organizations and/or churches and their members, or schools and their employees/students. For revocable grantor trusts, Benefits are available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, Benefits are available to the beneficiary, who must be the primary member (Fiduciary is not covered). Some Benefits require authentication, registration and/or activation, and may not be available outside of the U.S.
2 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance which located through your online or mobile banking. Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.
3. A surcharge fee may be assessed by the owner of a non-NIHFCU network ATM.