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CompleteCare Checking packs a ton of incredible benefits, perks and value into one streamlined “do it all” account, designed to help you Protect, Save, Enrich and Relax.  And, it could replace services you already pay for, potentially saving you BIG every month!

ID PROTECT – Defend your privacy with Comprehensive ID Theft Resolution Services, Expense Reimbursement Coverage, and more. 

SAVE – Fee-Free Access at Any ATM, Nationwide10, Complimentary Wires, plus other savings perks. 

ENRICH – Boost your financial wellness with Early Direct Deposit, Credit Score & Report Monitoring, and NIHFCU Loan Discounts.

RELAX – Perks such as Travel & Leisure Discounts, Cell Phone Protection, Roadside Assistance Service, and more.

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ID Protect

In a world where almost everyone worries about identity theft, CompleteCare Checking can help you stay safe before or after an incident occurs.

Comprehensive Identity Theft Resolution Services1,2 – Should you experience ID theft, your very own dedicated resolution specialist will help you every step of the way until your ID is restored.

Identity Theft Expense Reimbursement Coverage1,2 – Receive up to $10,000 to help pay expenses, clear your name and restore your identity, should you become the victim of identity fraud.

Dark Web Monitoring6 –  Monitoring of your personal data on the dark web and receive alerts if/when your registered information is exposed.  Also known as cyber monitoring (Registration/Activation required).

ID Monitoring2,6 – Scans thousands of databases and billions of records for activity that could indicate the early stages of ID theft. Proactive early warning is the key to helping prevent or reduce the effects of identity theft (Registration/Activation required).

CyberRecover Powered by DynaRisk2 – 24/7 personal cyber advocates to help you defend against online extortion, ransomware, fraud, gaming security risks and other threats.

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Save

CompleteCare Checking offers benefits that can save you time, hassle, and of course money! 

Fee-Free Access at Any ATM, Nationwide10 – Withdraw cash from your NIHFCU account at any ATM in the U.S. without an NIHFCU fee – not our ATMs, or those of other financial institutions.

No-Fee Paper Statements – Waiver of the standard $2 fee if you elect to receive your monthly statement by mail.

Free Wire Transfer Allotment11 – Two outgoing domestic wires monthly plus all incoming wires (domestic and international) without NIHFCU fees.

Free Cashier’s Checks – Receive one free cashier’s check every month.

Free Box of Checks – Order a complimentary box of standard checks every 12 months.

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Enrich

When it comes to enriching your life, CompleteCare Checking is full of incredible value to support your needs today and tomorrow.

Early Direct Deposit14 – Set up eligible direct deposits with your employer, Social Security, or Retirement Benefits to automatically get paid up to two days early, helping your cash flow, budget and expense management.

Credit Score & Report Monitoring – Access your credit score 24/7, get alerted when unusual credit activity is detected, view your report, and other credit management tools (Enrollment in My Credit RX required).

NIHFCU Loan Discounts8 – Get 0.25% off your approved rate on select loans when you use automatic-debit payments from an NIHFCU savings or checking account.

$500 Mortgage Closing Credit9 – Get up to $500 off closing costs on an NIHFCU first mortgage.

Debit Rewards Card15 – Earn points on every debit card purchase. Redeem for travel, merchandise, gift cards, and more. Visit CURewards to register your card and redeem points.

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Relax

Enjoy life, have fun, exhale with these incredible lifestyle perks reserved just for CompleteCare checking members.

Cell Phone Protection1,3 – Up to $600 of replacement or repair costs if your cell phone is stolen or damaged. $50 deductible applies. Up to 2 claims and maximum of $1,000 per eligible account, per 12-month period. Covers up to four phones on your bill.

Roadside Assistance Service1,4 – 24-hour roadside assistance coverage for towing, fuel and fluid delivery, battery, lockout, and tire assistance.

Rideshare Protection1,5 – Accidents can happen while traveling. Rideshare Protection provides coverage if you are injured while traveling in an Uber, Lyft, or other vehicle operated by a transportation network company, in the US. 

Travel & Leisure Discounts – Thousands of exclusive money-saving discounts and deals for dining, shopping, travel, entertainment, attractions, and more, available instantly on your computer or mobile device.

Debit Advantage® Buyers Protection1,7 – Covers items for 90 days from the date of purchase against accidental breakage, fire or theft (Item(s) must be purchased entirely with this account).

Debit Advantage® Extended Warranty1,7 – Extends the U.S. manufacturer’s original written warranty up to one full year on most new retail purchases if the warranty is less than five years (Item(s) must be purchased entirely with this account).

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FAQs

Is there a minimum deposit required to open this account?

  • Yes, an initial minimum deposit of at least $50 is required to open your CompleteCare Checking account.
Is there a monthly fee?

Yes, a fee equivalent to less than 23 cents per day (or $6.95 per month) applies for access to all of these fantastic CompleteCare benefits. This fee can be waived with an Average Daily Balance of at least $20,000 in this account during each statement cycle.

Remember: A single use of one or any mix of these valuable savings, protections, and benefits could more than cover the nominal fee for a month, several months, or more, and can replace services you may already be paying much more for elsewhere.

 
How do I apply for this account?

Current NIHFCU members opening their first NIHFCU checking account:

Current NIHFCU members with a checking account who want to switch to CompleteCare:

Non-members opening their first account with NIHFCU

Need additional support, please call us at 1-800-877-6440.
How can I switch my direct deposits and automatic payments to NIHFCU?

Once your NIHFCU checking account is established, moving your direct deposits and automatic payments is simple with our online ClickSwitch system. It can save you a ton of time and also help you avoid the hassle of forms and fear of missing payments or deposits.

Visit our ClickSwitch page, or stop by any NIHFCU branch or call 1-800-877-6440 for additional support.

 
How can I access or register for my CompleteCare Checking Account benefits?

Once you have CompleteCare checking, you are good to go with most of the “Save” and “Enrich” benefits outlined above.

>>> To access, learn more and register * for the “ID Protect” and “Relax” perks above, log in to your NIHFCU online banking account or our mobile app and select “CompleteCare Benefits.”

*Some benefits will require registration or activation before you can utilize them.
Is the CompleteCare Checking Account available for business accounts?

No, CompleteCare checking is not available for business accounts.

Does this account offer overdraft protection?

Yes, we offer several overdraft protection options, including a personal line of credit, Courtesy Pay, and Courtesy Pay Plus. Visit our Overdraft page for more information on options
Does NIHFCU offer any other consumer checking account options?

Yes, StandardCare is our other checking account for those looking for a basic transactional account with no fee. However, this account does not include most of the valuable benefits included with the CompleteCare Checking Account.

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

1 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions, and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. To access these details, login to online banking or our mobile app and click on Disclosures or “CompleteCare Benefits.” Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Insurance products are not insured by NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.

2Benefits are available to personal checking account owner(s) and their joint account owners, subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches, and their members, or schools and their employees/ students. For revocable grantor trusts, Benefits are available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, Benefits are available to the beneficiary, who must be the primary member (Fiduciary is not covered). 

3Cell phone bill must be paid through your CompleteCare checking Account

4This benefit pays up to $100 per event, with a maximum of two occurrences per 12-month period. 

5Travel costs for rideshare must be paid for through your CompleteCare checking account or your NIHFCU credit card.

6Registration and activation required

7Item(s) must be purchased entirely with your NIHFCU debit card linked to your CompleteCare checking account for coverage, and receipts must be in English or Spanish.

8Cannot be combined with any other offer. Total discount cannot fall below the lowest rate available at the time of the loan’s origination. If automatic payment ceases before loan is paid in full, the interest rate will increase by 0.25%. Not available retrospectively on existing NIHFCU Loans

9One $500 credit per mortgage loan. Must have CompleteCare checking at the time of closing. Not available retrospectively on existing NIHFCU mortgages.

10A surcharge fee may still be assessed by the owner of a non-NIHFCU ATM that is not part of our surcharge-free network. Search nihfcu.org for NIHFCU ATMs or 30,000 others in our surcharge-free network.

11A fee still applies for all international outgoing wires

12Additional cost for premium/custom checks as well as for additional orders outside the complimentary allotment applies. 

13Earn 1 reward point for every $5 spent (net after returns) using your NIHFCU debit card for qualifying signature and PIN-based purchases.

14With Early Direct Deposit, NIH Federal Credit Union may make incoming electronic direct deposits made through the Automated Clearing House (ACH) available for use up to two days before the scheduled payment date. Not all direct deposits are eligible for Early Direct Deposit. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Early access to funds is dependent on submission of direct deposits by payor with a discernible description and standard fraud prevention restrictions. Whether we make funds available early depends on when we receive the payor’s payment instructions, any limitations we set on the amount of early availability, and standard fraud prevention screening. Early Direct Deposit is available for personal accounts only. Eligible direct deposits are limited to electronic direct deposits of items such as your payroll, pension and government benefit payments made through the Automated clearing House (ACH) to your personal account. Other deposits or credits to your account, such as deposits of funds from person-to-person payment services (e.q., Zelle, Venmo, PayPal, or CashApp transfers), check or mobile deposits, and other online transfers or electronic credits are not eligible for Early Direct Deposit. If NIH Federal Credit Union makes funds available early through Early Direct Deposit and the payor reverses or requests a return of the deposit, or the funds are otherwise uncollected by NIH Federal Credit Union, NIH Federal Credit Union may debit your account for the deposit amount previously made available early, which may draw your account into a negative balance. Some Exceptions Apply:  Due to IRS tax reporting requirements, the service may not always be available (for example, Early Payday deposits will not be available to members the last two business days of December).

15Earn one reward point for every $5 spent (net after returns) using your NIHFCU debit card for qualifying signature and PIN-based purchases. Visit CURewards to register your card, view special offers, and redeem points for merchandise, travel, gift cards, cash, or to donate to NIH charities.