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Select the category to reveal common "How To" instructions

SEND AND RECEIVE MONEY

Receive an Income Wire to an NIHFCU account - Learn More

To receive a domestic incoming wire to an NIHFCU account, please provide the following information to the bank that is send the wire to the NIH Federal Credit Union account.

  • Bank Name:  Natl Institute of Health FCU

  • Bank Address:  111 Rockville Pike, Rockville MD 20850

  • ABA #:  255076944

  • Beneficiary Name:  [provide the member’s name]

  • Beneficiary Address:  [provide the member’s full address]

  • Beneficiary Account #: [provide the member’s full NIHFCU account number which consists of the 6 digit member number plus the 2 digit account suffix]

Note: For international wires, please have the sending institution use a correspondent intermediary US bank.

Send an outgoing wire from an NIHFCU account - Learn More

To send an outgoing wire from an NIHFCU account, please follow these steps.

  • Login to your NIHFCU online banking account from your computer or our mobile app

  • Click the “Message Center” widget. If it does not appear, click the “More” widget and then “Message Center”

  • Next, click “Compose”

  • Use the “Select A Subject” scroll bar to choose “Wire Transfer Domestic”

  • You can then specify an Account but this is not required

  • Then, you can send the message with text that is provided in the Message field or change it if you wish to provide more details. You can also change “domestic” to “international” if the wire request to be go outside the US.

Once your message is submitted, the NIHFCU will get back to you with the necessary form to complete your wire request.  For additional support, please contact us at 1-800-877-6440.

Transfer funds in online banking or our mobile app - Learn More

Transferring money among your NIHFCU accounts, other member accounts and your external accounts is easy.  Here’s how.

 

  • Login to online banking, select “Move Money” on the menu, and then “Transfer.”

Quick Transfer: 1X transfer in your NIHFCU accounts, other verified NIHFCU or external accounts you set up.

  • Select the “From” account where the funds will be withdrawn.

  • Click one of the amount options or input a custom amount.

  • Select the “To” account where funds will be deposited. Then,  click “Submit Transfer.”

  • Review the transfer details. Click “Confirm Transfer” to complete the transfer or “Cancel” to make changes.

 

Classic Transfer: schedule recurring transfers or payments on NIHFCU accounts not yet set up or available in the Quick Transfer option.

To transfer money within your NIHFCU accounts

  • Select the “From” and “To” accounts from the menus

  • Enter the transfer amount and the date for the transfer to occur.

  • Select the transfer frequency from the menu. Then click “Submit Transfer.”

  • Review the transfer details. Click “Confirm Transfer” to complete the transfer or “Cancel” to make changes.

 

To transfer money to another NIHFCU member account *

  • Select the “From” account from the menu.

  • Select “Transfer to Another NIHFCU Member”

  • Provide the required information including the recipient’s NIHFCU member # and the 2 digit account suffix. (Click ”Save Account for Future Use” for this information to be saved for future transfers.)

  • Obtain and type in your verification code (you can receive this  by text, email or call).

  • Then, choose the recipient’s account from the “To Account” menu.

  • Enter the transfer amount and the date for the transfer to occur.

  • Select the transaction frequency from the menu.  Then click “Submit Transfer.”

  • Review the transfer details. Click “Confirm Transfer” to complete the transfer or “cancel” to make changes.

 

To set up and transfer money to an external (non-NIHFCU) account *

  • If you have not yet verified the external account to transfer to and from, select “Add an External Account” (note: you must have an NIHFCU checking account to do an external transfer)

  • Provide the required information including the external account’s routing and account #’s.

  • Obtain and type in your verification code (you can receive this  by text, email or call)

  • Our system will take 2-3 business days to attempt 2 nominal trial deposits to the external account. You will then receive instructions to complete the account verification & authorization. Once complete, the external account will display in your “to” and “from” accounts lists for transferring.

*The mobile app. interface will be slightly different. Click “Add Account” to set up both internal and external accounts.

“Scheduled” tab (online banking only)

  • If you scheduled recurring transfers, this tab will show them in a calendar format as well as a summary at the bottom of the screen. Here, you can also cancel or edit your transfer schedule.

“History” tab

  • Use this tab to view your past transfer activity.

Deposit checks on my mobile phone - Learn More

Depositing checks with your mobile device is secure, fast and easy! Here’s how!

 

  • Open the NIHFCU app on your device.  If you do not have our free app, click here to download.

  • Click the “Check Deposit” widget. If it does not appear, click  the “More” widget and then “Check Deposit.”

  • Read the “about check deposit” notification.

  • Select the NIHFCU account you want to deposit your check to.

  • Type in the amount of the check

  • Place the check on a solid dark surface to ensure a quality background for the check images

  • Tap “Check Front” and position your check within the check capture box to automatically snap the picture

  • Flip the check over, tap “Check Back” and do the same steps (see below for important information)

  • Confirm the deposit information and, if correct, click “Deposit Check.”

IMPORTANT: Make sure the check is endorsed with your signature and also includes the following:

“For NIHFCU Mobile Deposit Only”

Checks will not be processed without these two required endorsement steps.

Note: Do not destroy the checks. Hold them until you have received confirmation that the checks cleared and funds are in the depositing account.

 

Send money using Zelle - Learn More

Sending money to people you trust through our mobile app. is fast, easy and secure with Zelle.

  • Click here to see how, and to view commonly asked questions.

CREDIT & DEBIT

manage my credit and debit rewards points? - Learn More

NIHFCU Debit card holders, as well as our Cash Rewards, Travel Rewards, and Business Rewards credit card holders earn points when they use their card for purchases.  Points can be redeemed for cash, gift cards, merchandise, travel and more…or can be used to make a donation to charity.

 

  • To manage your points and to shop/redeem, please visit the CURewards website.  You will need to register your card on your first visit to the site.

Set up and use card controls in online banking and the mobile app - Learn More

Card Controls is a convenient do-it-yourself way to manage certain aspects of your NIHFCU credit and/or debt card. Here’s how.

  • Login to your account and select the “Card Controls.” If it does not appear, click the “More” widget and then “Card Controls.”

  • You will see the NIHFCU card(s) associated with your account. Choose the one you wish to set or manage card controls.

 

To BLOCK or UNBLOCK your NIHFCU credit or debit card

In case of card loss, theft or fraud (or any other reason), this allows you to temporarily stop any transactions from being done on the selected card.

  • Click the “Active” button.

  • Click the “Block This Card” button and then the “Yes, Block” button.

  • You will see a red “Blocked” button confirming your selection.

  • To unblock at any time, click the red “Blocked” button and follow the same instructions.

  • Once your card is unblocked, you will see a “green” active button to confirm your selection.

  • If you have authorized text or email communication for your card, you will receive a message each time you change your card status.

Note: At this time, block/unblock is the only card control available for debit cards.

To UPDATE REGISTRATION for your NIHFCU credit card – This authorizes us to send you communications about your card to your mobile device or email. This may include basic card status information and other notifications related to other controls you select in the future.

  • Select an Alert Delivery Method, either mobile or email and then click “save”

To REPLACE your NIHFCU credit card – This lets you notify us of a stolen or lost card and to quickly request a replacement.

  • Click “Lost” or “stolen” and insert the Last Date Used and Date the card was lost or stolen.

  • Read the important information before clicking the “Report as Lost” or “Report as Stolen” button.

TRAVEL NOTICES for your NIHFCU credit card – The NIHFCU scans card usage to help identify unusual or unauthorized purchases. This function notifies us of your domestic or international travel to help avoid potential credit card disruptions.

  • Input the start and end date of your travel

  • Select if the travel is domestic or international and input destination, then click save

BALANCE TRANSFER to your NIHFCU credit card –  this function let’s you quickly transfer balances from non-NIHFCU cards to your NIHFCU credit card with likely better rates and terms.

  • Insert the non-NIHFCU card issuer details (issuer name, account #, address and transfer amount)

  • Read and agree to the important disclosures and then “submit”

ENABLE FOREIGN TRANSACTIONS on your NIHFCU credit card – This allows card transactions to be processed outside of the U.S. When enabled, a processing fee may occur for each foreign transaction.

  • Click the toggle button to “yes” to allow foreign transactions or “no” to not allow, then click “save”

CREDIT CARD REWARDS

  • Click this to go to the CURewards website to manage and shop for gift cards, merchandise, travel, cash back or to donate to charity with your rewards points.

report a lost or stolen card - Learn More

For a lost or stolen debit card, please call 1-800-877-6440

For a lost or stolen credit card, please call 1-800-449-7728

In either instance, we recommend you block your card in our do-it-yourself Card Controls feature inside online banking or our mobile app.  Please view the “Card Control” instructions on this “How To” page.

CHECKING

Move direct deposits to my NIHFCU checking account - Learn More

We’ve taken the hassle and time commitment out of the account switching process. With our ClickSWITCH solution, you can quickly and securely move your direct deposits, transfer funds and reassign recurring automatic payments in just minutes.

Click here to learn more about ClickSWITCH.  For additional support, visit any branch or call us at 1-800-877-6440.

Move automatic payment to my NIHFCU checking account - Learn More

We’ve taken the hassle and time commitment out of the account switching process. With our ClickSWITCH solution, you can quickly and securely move your direct deposits, transfer funds and reassign recurring automatic payments in just minutes.

Click here to learn more about ClickSWITCH.  For additional support, visit any branch or call us at 1-800-877-6440.

ONLINE BANKING & MOBILE APP

Set up alerts & notifications - Learn More

Receive emails and text alerts on the account information most important to you. 

 

  • Login to your account in online banking or our mobile app.

  • Click the “Alerts” widget. If it does not display, Click the “More” widget and then “Alerts.”

  • Select an alert category for a list of available alerts & notifications.

Here are instructions for a two popular alerts. Once you get the hang of it, setting up additional alerts is easy!

“Balance” alert – Be notified when a transaction causes the account balance to fall outside a specified range.

  • Select the “accounts” option from the list of categories.

  • From the menu, select the NIHFCU account you wish to set the alert.

  • Click “Balance” to access the customization options.

  • Click the toggle buttons to insert the “below” and “above.” thresholds that will trigger an alert.

  • Click the toggle buttons to choose a text, email and/or push notification. Then select “save.”

“Balance Summary” alert – Receive an alert with the selected account’s balance on a recurring timetable.

  • Select the “accounts” option from the list of categories.

  • From the menu, select the NIHFCU account you wish to set the alert.

  • Click “Balance Summary” to access the customization options

  • Choose “weekly” or “daily” for the alert frequency and then specify the days and times for the alert.

  • Click the toggle buttons to choose a text, email and/or push notification. Then select “save.”

Other alert & notification options available include:

  • Transaction alert

  • Automatic deposits

  • Mobile deposit completion

  • External transfer submitted

  • Checks cleared

  • Savings goal completed

  • Savings goal endangered

  • Transfer succeeded

  • Transfer failed

  • Insufficient funds

  • Regular Savings transfer

  • External transfer blocked

  • Security alerts

  • Online banking access

  • External transfer canceled

You can active, deactivate and change your selections at any time.

 

Link external accounts - Learn More

Link accounts you have at other institutions to conveniently see your entire financial picture in one place.  It’s fast and easy.  Here’s how!

  • Login to online banking or our mobile app.

  • On your dashboard, click the yellow “Get Started” button in the “Link External Accounts” area.

  • Select the financial institution (FI) to link into you NIHFCU online banking dashboard. If your FI shows up under most popular, then click on it. If not, you can type the name in the search bar.

  • Once you have located your FI, type in the required information and click “Enter.”

  • Obtain and then type in the temporary passcode your FI will send you and then click “Next.”

  • Once your accounts are visible and the “cog” icon stops spinning, click “Close.”

  • Return to your dashboard and the external account balances should be presented.

  • You can then click on these accounts to review activity, categorize transactions, and generate charts for up to the last 6 months.

Set up and track spending - Learn More

The “Financial Wellness” feature provides a graphical summary of your activity to help you make decisions about how you send your money. Here’s how!

  • Login to your account and select the “Financial Wellness” widget. If this does not appear, select the “More” widget and then “Financial Wellness.”

  • Click the “Spending” tab within the Financial Wellness screen to view a 12 month chart of total spending and a pie chart of your  spending by category.

  • Click the bars to look at spend for an individual month. The pie chart will update automatically as will the list of corresponding transactions at the bottom.

  • Click any section of the pie chart to isolate a particular category for more analysis.

  • Click any of the transactions for more detail or to change the transaction category.

  • At the top of your screen, click the inverted triangle (All accounts) to include or exclude an account(s) from the spending review. If you have linked external accounts, you will also have the option to include or exclude those.

Set up and track savings goals - Learn More

The “Financial Wellness” allows you to create savings goals to help you save for a big purchase or anything else. Here is how!

  • Login to your account and select the “Financial Wellness” widget on the left hand column of your dashboard. If it does not appear, select the “More” widget and then “Financial Wellness.”

  • Click the “Savings Goals” tab within the “Financial Wellness” section.

  • Click the yellow “Create a Savings Goal” button start setting up your goal.

  • Select the NIHFCU account in which to save for a specific goal, then click “Next.”

  • Choose a savings category which best matches your goal.

  • Create a title for your goal, the amount to save, and, if applicable, the target date. Then click “Create Goal.”

  • Your Savings Goal will now appear on the Financial Wellness screen. It will show a summary, how close you are to achieving the goal, and if you would like to move the balance to another NIHFCU account or add to your goal from another NIHFCU account. You can also edit your goal or remove the goal.

Set up and use card controls - Learn More

Card Controls is a convenient do-it-yourself way to manage certain aspects of your NIHFCU credit and/or debt card. Here’s how.

  • Login to your account and select the “Card Controls.” If it does not appear, click the “More” widget and then “Card Controls.”

  • You will see the NIHFCU card(s) associated with your account. Choose the one you wish to set or manage card controls.

 

To BLOCK or UNBLOCK your NIHFCU credit or debit card

In case of card loss, theft or fraud (or any other reason), this allows you to temporarily stop any transactions from being done on the selected card.

  • Click the “Active” button.

  • Click the “Block This Card” button and then the “Yes, Block” button.

  • You will see a red “Blocked” button confirming your selection.

  • To unblock at any time, click the red “Blocked” button and follow the same instructions.

  • Once your card is unblocked, you will see a “green” active button to confirm your selection.

  • If you have authorized text or email communication for your card, you will receive a message each time you change your card status.

Note: At this time, block/unblock is the only card control available for debit cards.

To UPDATE REGISTRATION for your NIHFCU credit card – This authorizes us to send you communications about your card to your mobile device or email. This may include basic card status information and other notifications related to other controls you select in the future.

  • Select an Alert Delivery Method, either mobile or email and then click “save”

To REPLACE your NIHFCU credit card – This lets you notify us of a stolen or lost card and to quickly request a replacement.

  • Click “Lost” or “stolen” and insert the Last Date Used and Date the card was lost or stolen.

  • Read the important information before clicking the “Report as Lost” or “Report as Stolen” button.

TRAVEL NOTICES for your NIHFCU credit card – The NIHFCU scans card usage to help identify unusual or unauthorized purchases. This function notifies us of your domestic or international travel to help avoid potential credit card disruptions.

  • Input the start and end date of your travel

  • Select if the travel is domestic or international and input destination, then click save

BALANCE TRANSFER to your NIHFCU credit card –  this function let’s you quickly transfer balances from non-NIHFCU cards to your NIHFCU credit card with likely better rates and terms.

  • Insert the non-NIHFCU card issuer details (issuer name, account #, address and transfer amount)

  • Read and agree to the important disclosures and then “submit”

ENABLE FOREIGN TRANSACTIONS on your NIHFCU credit card – This allows card transactions to be processed outside of the U.S. When enabled, a processing fee may occur for each foreign transaction.

  • Click the toggle button to “yes” to allow foreign transactions or “no” to not allow, then click “save”

CREDIT CARD REWARDS

  • Click this to go to the CURewards website to manage and shop for gift cards, merchandise, travel, cash back or to donate to charity with your rewards points.

Pay off and close a loan - Learn More

Auto and Personal Loans, and Credit Cards

  • On your online banking dashboard, scroll to the loan and select the “Pay” button.

  • Select the NIHFCU account you want to transfer from to pay off your loan.

  • Select the “Pay-Off” button. Choose the date and click “Submit Transfer.”

Note: Credit card payments can be made directly from an outside account by clicking the “Card Management” widget.  Then, select “Make a Payment” and follow the prompts.

See the “Transfer funds” How-To instructions for additional details on making transfers inside online banking.

Home Loans (Mortgages and Equities)

  • To pay-off and permanently close a mortgage home equity loan or line of credit, please call us at 800-877-6440 or email us at PayOffRequest@nihfcu.org so we can contact you with the required documentation and payoff information.

Student Loans

  • You can receive student loan payoff information by contacting University Accounting Service at 877-530-9782 or by logging into your student loan account.

Get my account balances - Learn More

There are several ways to stay on top of your NIHFCU balances.  The fastest and most convenient are:

 

  • Login to your online banking all your account balances will display on your dashboard, or

  • Open your NIHFCU mobile app and you account balances will display on the initial Accounts page

Note:  While in online banking or our app, we also recommend setting up automated Alerts & Notifications to get emails or text messages with updates on your balances (see the “Alerts & Notification” FAQ on this page for more details).

Additionally, you can also get balances by:

  • Calling us at 1-800-877-6440 or stop by any branch to speak to an NIHFU representative

  • Using Access 24, our automated telephone banking service (800-900-0644), and following the prompts

LOANS

Payoff and close a loan - Learn More

Auto and Personal Loans, and Credit Cards

  • On your online banking dashboard, scroll to the loan and select the “Pay” button.

  • Select the NIHFCU account you want to transfer from to pay off your loan.

  • Select the “Pay-Off” button. Choose the date and click “Submit Transfer.”

Note: Credit card payments can be made directly from an outside account by clicking the “Card Management” widget.  Then, select “Make a Payment” and follow the prompts.

See the “Transfer funds” How-To instructions for additional details on making transfers inside online banking.

Home Loans (Mortgages and Equities)

  • To pay-off and permanently close a mortgage home equity loan or line of credit, please call us at 800-877-6440 or email us at PayOffRequest@nihfcu.org so we can contact you with the required documentation and payoff information.

Student Loans

  • You can receive student loan payoff information by contacting University Accounting Service at 877-530-9782 or by logging into your student loan account.

ACCOUNTS

Get my account balances - Learn More

There are several ways to stay on top of your NIHFCU balances.  The fastest and most convenient are:

 

  • Login to your online banking all your account balances will display on your dashboard, or

  • Open your NIHFCU mobile app and you account balances will display on the initial Accounts page

Note:  While in online banking or our app, we also recommend setting up automated Alerts & Notifications to get emails or text messages with updates on your balances (see the “Alerts & Notification” FAQ on this page for more details).

Additionally, you can also get balances by:

  • Calling us at 1-800-877-6440 or stop by any branch to speak to an NIHFU representative

  • Using Access 24, our automated telephone banking service (800-900-0644), and following the prompts

Open an account - Learn More

Most NIHFCU accounts can be opened right here on our website using our online account application.  You can also visit any NIHFCU branch or give us a call at 1-800-877-6440.

To open any account with NIHFCU, you must be (or become) a member of the credit union, but that is done as part of the account opening process.

If you are not yet an NIHFCU member and want to open an account on our website:

  • Visit our online account application 

  • Select “No” where asked if you are a current member.

  • Select “Open an Account” if you want to establish just a savings, checking, or other account (no loan)

  • Select “Open an Account and a Loan if you also want to apply for a consumer loan at the same you open your initial account with us.

Note: You can apply for any loan at the NIHFCU without membership.  However, if you are approved for the loan, you will need to establish membership before the loan is disbursed.

If you are a current NIHFCU member:

  • Login to your NIHFCU online banking account.

  • Click the “Quick Apply” widget, select the account you wish to open and follow the prompts