CompleteCare Checking

Rates, fees and terms as of September 1, 2025 and subject to change without notice

¹Special 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 Benefits and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefits 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.