Savings & Checking
Checking
Choose from four flexible options to meet your lifestyle.
- Freedom: Designed for the unique needs of young students (and others) under age 25.
- Basic: Our lowest balance requirement option. Includes dividends and a wide range of free benefits.
- Plus: All the benefits of the Basic account, plus higher dividends and five FREE non-NIHFCU ATM transactions per month.
- Premier: All the benefits of Plus with additional FREE non-NIHFCU ATM transactions, and other great services.
All checking accounts options provide:
- 100% FREE Bill Pay – no gimmicks or hidden fees
- FREE CU@Home Online Banking
- FREE FinanceWorks – your personal money management tool powered by Quicken
- FREE Online Statements
- FREE Direct Deposit
- FREE NIHFCU ATM Transactions
- FREE Visa Check Card / ATM Card
- FREE Unlimited Check Writing
- FREE Automatic Overdtaft Protection from your regular share account
- FREE Access 24 Automated Telephone Banking
Courtesy Pay is also available on all checking options except Freedom checking.
Click here to compare all options side-by-side.
- If you’re a student, click here to see how our Freedom Checking stacks up against some other local student checking offers.
Opening an NIHFCU checking account is easy! Our Switch Kit contains all the documents and steps you need to “turn on” your NIHFCU account. Of course, you can always visit any of our branches or call our Telephone Service Center for friendly assistance.
NIHFCU, shares and certificates are federally insured to at least $250,000 by the National Credit Union Administration, a United States government agency. IRAs are insured separately up to $250,000. (click here for additional details) Shares and certificates are insured up to an additional $250,000 by Excess Share Insurance, a private company. IRAs are insured separately up to an additional $250,000.
Please note: You must be at least 18 years old to open an individual checking account. If you’re under 18 years old, a parent or guardian must be joint with you on the account.








