Savings & Checking

Checking (Share Draft) Accounts

Choose from four flexible options to meet your lifestyle.

Our Checking Account types include:

  • Freedom: Designed for the unique needs of students as well as all young adults 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:

Click here to compare all four 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.

At NIHFCU, your shares and certificates are federally insured to at least $100,000 and IRAs are insured separately up to $250,000 by the National Credit Union Administration, a United States government agency. Your shares, certificates and IRAs are insured up to an additional $250,000 by Excess Share Insurance, a private company.

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.