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StandardCare Checking – our basic checking account option

Formerly knows as CareFree Checking – same benefits, new name!

  • No minimum balance requirements

  • No monthly fee

  • No NIHFCU fees to withdraw cash at any nationwide ATM1

  • Visa® Debit Rewards – earn points and redeem for cash, gift cards, merchandise, and more3

  • 0.25% off your approved rate on select loans with auto debit payments from an NIHFCU account 2

  • Send money in the moment with Zelle®

  • One no-fee cashier’s check per month

  • Overdraft protection options

Easy account switching is here with ClickSWITCH  – move your direct deposits and automatic payments in just minutes.

Speak to a Representative
1-800-877-6440
Open an Account
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Visa® Platinum Debit Rewards

Shop with your NIHFCU Visa Platinum Debit Rewards card for two easy ways to great rewards!

  • Earn points on all your everyday purchases3

  • Earn more points when you select CURewards® offers from popular retailers and online merchants

Get more rewards! Visit CURewards to register your card, view special offers, and redeem points for merchandise, travel, gift cards, cash, or to donate to NIH charities.

Speak to a specialist
REGISTER YOUR CARD
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Overdraft Coverage

NIHFCU offers a variety of options that can provide assistance when a transaction exceeds your available balance.

Overdraft Protection– a fee-free option that automatically transfers funds from your NIHFCU savings account (up to 6 per month).

Personal Line of Credit– this line-of-credit4 is a great way to cover overdrafts and provide access to cash for other urgent needs.

Courtesy Pay– if your account is eligible5, we’ll extend up to $700 in additional coverage (including fees) when your other sources are insufficient to cover an overdraft. To extend coverage to also include ATM or everyday debit transactions, you can opt-in to Courtesy Pay Plus. (There is a $30 fee for each overdraft covered by Courtesy Pay or Courtesy Pay Plus.)

Speak to a specialist
LEARN MORE

Rates, fees and terms as of September 22, 2025 and subject to change without notice

Financial wellness begins and ends with the facts. Here’s what you need to know.
Checking account programs and terms are subject to change or cancellation at any time. Certain restrictions apply. Fees may reduce earnings.
1 ATM fees from the ATM owner apply still apply.
2 Get 0.25% discount off approved signature and auto loan rate with automatic debit of loan payment from NIHFCU savings or checking account. Cannot be combined with any other offer and the total discount cannot fall below the lowest rate available at the time of the loan’s origination.
3. Earn 1 reward point for every $5 spent (net after returns) using your NIHFCU debit card for qualifying signature and PIN-based purchases.
4 Subject to credit approval, interest charges apply. Personal Line of Credit not available on business accounts.
5 Minor, trust, club & organizational and deceased member accounts are not eligible for Courtesy Pay. Members with the following conditions on their account(s) are temporarily ineligible for courtesy pay but may become eligible once the condition(s) are removed: Past due NIHFCU loan; charged-off NIHFCU loan; accounts with a negative balance for more than 31 days; consumer checking account open less than 31 days; business checking open less than 61 days, accounts with levies, garnishments or bankruptcies, regular share account with balance under $1. Features and benefits as of May 7, 2018 and subject to change without notice.