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Two great options to support your small business or practice

NIHFCU’s Carefree and TotalCare Business Checking accounts are designed to help your business run efficiently and achieve success. Both are digitally enabled and accessible 24/7, so you can bank around your busy schedule.

Both accounts feature these, and other, standard features:

Standard features

  • 200 fee-free transactions per month 1

  • $5,000 in fee-free cash deposits per month 2       

  • Fee-free NIHFCU ATM transactions

  • Fee-free withdrawals at over 30,000 network ATMs, nationwide

  • Free state-of the art online and mobile banking, and apps

  • Overdraft protection options

  • Unlimited Remote Business Check Deposit – equipment lease fee may apply  6 

  • No-fee electronic statements 7

  • No-fee integration with Quickbooks
Budgeting with NIHFCU on Computer
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CareFree Business Checking

This is our basic business checking account option.  It is loaded with features and is perfect for new and maturing businesses.

  • Enjoy all of the Standard Features listed above, PLUS

  • No monthly maintenance fee or balance requirements

  • Open your account with as little as $100
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TotalCare Business Checking

This is our top-tier business checking option.  It is loaded with even more benefits and is perfect for those businesses with larger transaction volume and operational needs.

Enjoy all of the standard features listed above PLUS these additional TotalCare benefits.

  • 300 additional free transactions, thus a total of 500 per month 1

  • $5,000 more in fee-free cash deposits, thus a total of $10,000 per month 2

  • No NIHFCU fee on 3 non-network ATM transactions per month 3

  • No NIHFCU fee on all incoming wires (foreign or domestic)

  • No NIHFCU fee on 1 domestic outgoing wire per month

  • No NIHFCU fee on 1 foreign outgoing wire per month

  • 1 complimentary Cashier’s Check per month 4

  • No NIHFCU lease fee for Remote Deposit Capture equipment

  • No monthly fee with combined business deposit balances of $10,000 5
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the NIHFCU Healthcare Benefit Suite contains unique features designed to help you navigate the road to financial wellness

Rates, fees and terms as of April 27, 2024 and subject to change without notice

Checking account programs and terms are subject to change or cancellation at any time. Certain restrictions apply

1 On Carefree Business, a fee of $0.50 applies on all transactions after the first 200 per month. On TotalCare Business, a fee of $0.50 applies on all transactions after the first 500 per month. Transactions include deposits, paid items, including paper and electronic transactions made to/from this account only.  All other transactions, including purchases and payments made using an NIHFCU Debit Card and Business Bill Pay do not apply. Unused allotment of fee-free transactions in each month will be forfeited and do not roll over to subsequent months.

2 On Carefree Business, a fee of $0.30 per $100 in gross cash deposits applies after the first $5,000 in cash deposits per month. On TotalCare Business, a fee of $0.30 per $100 in gross cash deposits applies after the first $10,000 in cash deposits each month. Unused allotment of free-free deposits in each month will be forfeited and do not roll over to subsequent months.

3 NIHFCU will waive its $2.50 foreign ATM fee on the first 3 non-network ATM transactions per month (i.e., withdrawals, balance inquiries). Unused monthly allotment will not transfer to subsequent months. ATM fees and surcharges from the ATM owner apply and will not be waived.

4 On Carefree Business, a $10 fee applies on all cashier’s checks. On TotalCare Business, a $10 fee applies per cashier’s check after the initial complimentary check per month.

5 A $15 monthly fee per month applies if the average daily balance in all your business accounts (excluding loans) falls below $10,000.00.

6 On CareFree Business, there is a $40 monthly fee to lease the remote check deposit equipment.  On TotalCare Business, this fee is waived.

7 a $3.00 fee per month applies for paper statements

For full list of other applicable fees and fee waivers, click here