Savings & Checking
Share Draft (Checking) Comparison Chart
| PREMIER | PLUS | BASIC | |
|---|---|---|---|
| Earns Dividends1 | |||
| FREE Online Banking including FREE Bill Pay2 | |||
| FREE Online Statements | |||
| FREE Automatic Overdraft Protection3 | |||
| FREE Direct Deposit | |||
| FREE Visa Check Card / ATM Card | |||
| FREE NIHFCU ATM Transactions4 | |||
| FREE Non-NIHFCU ATM Transactions5 | 10/month | 5/month | |
| FREE Unlimited Check Writing | |||
| FREE Staff-Assisted Telephone Service | |||
| FREE Staff-Assisted Branch Transactions | |||
| FREE Access 24 Telephone Banking | |||
| FREE Signature-based Transactions | |||
| FREE PIN-based Transactions | |||
| FREE Travelers Checks6 | |||
| FREE Standard Checks7 | 2 boxes/yr | 1 box/yr | |
| FREE Incoming Domestic Wires | |||
| Minimum Checking Balance OR Total Balance of Loans and Deposits to Waive Monthly Fee8 |
$2,500 OR $25,000 |
$500 OR $15,000 |
$100 OR $5,000 |
| Low Monthly Fee, if Daily Balance Falls Below Minimum9 | $12 | $8 | $5 |
1 Paid on average daily balances of $1,000+. Rate is subject to change on a monthly basis without notice.
2 Free bill pay account will be closed if it remains inactive for 60 consecutive days. Member must re-register to re-activate account.
3 Up to 6 times per month from available share savings account. CheckMate Line of Credit also available.
4 Applies to any NIHFCU ATM, Johns Hopkins Federal Credit Union ATM, Mid-Atlantic Federal Credit Union ATM, or Family Service Center ATM.
5 Applies to transactions and balance inquiries made at ATMs not owned or serviced by NIHFCU, Johns Hopkins Federal Credit Union, Mid-Atlantic Federal Credit Union and/or Family Service Centers. The ATM owner may impose a fee, which will be the responsibility of the member.
6 Travelers checks are also available at no charge at the Premier level. Nominal fee for travelers checks/for two applies at Plus and Basic levels.
7 NIHFCU will cover the cost of standard duplicate checks plus postage, in the quantity indicated for each account type, per calendar year. If member opts for a different design, member is responsible for the cost difference between the chosen design and the standard check design.
8 The sum of all deposits and loan accounts, excluding 1st mortgage loans.
9 Assessed when member has 1) less than required minimum balance in checking account, or 2) has less than the required total balance in an aggregate calculation of all deposit and loan accounts, excluding 1st mortgages. The assessed fee is deducted from the member’s checking account. Balances evaluated on a daily basis.











