Checking with convenient options

• Theft and repair coverage for the first four phones on your bill, up to $600 per claim (maximum of $1,000 per account every 12 months).¹

• Cell phone bill must be paid through your CompleteCare checking Account.

• 24-hour coverage for U.S. roadside assistance services, ¹ including towing, flat tire assistance, fuel/oil/fluid delivery, dead batteries, and locksmith services.

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

• Thousands of exclusive money-saving discounts, including restaurants, travel, movie theaters, amusement parks, auto maintenance, sporting events, retailers, and more.

• Instantly redeem and print coupons online or access discounts from a mobile device.

• Using a rideshare service has become increasingly popular in most areas. As the popularity of using these services increases, it is important to remember that accidents can happen when traveling. RideShare Protection can help should the need arise for incidences in the U.S.

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

• Buyer’s Protection ¹ covers items for 90 days from the date of purchase against accidental breakage, fire, or theft.

• Extended Warranty ¹ 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 your NIHFCU debit card linked to your CompleteCare checking account for coverage and receipts must be in English or Spanish.

If you every fall victim to ID Theft, CompleteCare checking members are eligible to receive:

• Comprehensive Identity Theft Resolution Services: ¹ You’ll be assigned your own dedicated fraud specialist who will help you every step of the way until your identity is restored.
• ID Theft Expense Reimbursement Coverage: ^{1, 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 Monitoring, also known as cyber monitoring, is an identity theft prevention product to monitor your personal information on the dark web and receive alerts when your registered information ² is exposed online.

(Registration/activation required.)

• Monitoring of more than 1,000 databases and public records to identify suspicious activity, including credit header information, phone records, United States Postal Service records, and more. Monthly scans determine overall risk rating; high-risk scores are notified. ²

(Registration/activation required.)

• 24/7 access to personal cyber advocates who can help defend against extortion, ransomware, online fraud, gaming security risks and more. Stay protected with expert support when you need it. ²

With My Credit Rx powered by SavvyMoney® you can:

• Check your credit score, view your credit report, set up credit monitoring updates and much more, 24/7 inside online banking or our mobile app.

• Monitor your credit report and be informed by email when there are any changes detected to your credit profile.

Lean more about My Credit Rx and enroll.

• Set up eligible direct deposits with your employer, Social Security, or Retirement Benefits to automatically get paid up to two days early, to help your cash flow, budget and expense management.³ 

• NIHFCU will not charge you any fees when you withdraw money from your NIHFCU accounts at any ATM– not our ATMs, or those of any other financial institution, in the U.S. ⁴

Search for any NIHFCU or any of our 30,000 network ATMs

• Get 0.25% off of your approved rate on select NIHFCU loans when you use automatic-debit payments from an NIHFCU savings account or your CompleteCare Checking account.^{. 5}

Get a special $500 discount when you close on an NIHFCU first mortgage.

Note: One $500 closing credit per mortgage loan.

Send and receive wires with no NIHFCU fees as follows:

• All incoming domestic and international wires are free of NIHFCU fees.

• 2 outgoing domestic wires per month are free of NIHFCU fees.

Note: A fee still applies for all international outgoing wires.

Receive one free cashier’s check per month.

• Receive one standard box of free checks per year. (Additional cost for premium/custom checks as well as for additional orders outside the complimentary allotment applies.)

To order checks login to online banking or call 1-800-877-6440.

E-statements are strongly recommended for safety, convenience and to help the environment. However, if you prefer a paper statement, CompleteCare members can receive them without the $2 per cycle fee.

Zelle^® is a fast, easy and safe way to send money to, or receive money from, people you trust with a bank account in the U.S.

Learn more about using Zelle and get started!

At NIHFCU, we know that mistakes can occur and we offer several options that can provide assistance, including basic overdraft protection, a personal line of credit, Courtesy Pay and Courtesy Pay Plus.

Learn more about these overdraft options.

Use our highly-rated mobile app for easy and fast management of your accounts, including:

• Mobile depositing

• Activate account alerts

• View account balances and transactions

• Set up transfers and make payments

• Control access to your NIHFCU debit card (and credit card if you have one)

• Track expenses and set up savings goals

• Check your credit score with My Credit Rx

• And much more

Download the NIHFCU Apple App

Download the NIHFCU Android App

Yes, an initial minimum deposit of at least $50 is required to initiate your CompleteCare Checking account.

This is your choice. 

• A nominal monthly fee of just $6.95 (or the equivalent of less than 23 cents per day) applies to have access to all of the exceptional CompleteCare Checking benefits.

OR

• To waive the fee, maintain an Average Daily Balance of at least $20,000 in this account during the statement cycle.

If you are a current NIHFCU member opening a new checking account:

• Login to online banking, go to Quick Apply, and follow the easy prompts, or

If you are a current NIHFCU member with an existing NIHFCU checking account, and want to switch to CompleteCare checking:

• Visit our Frequently Used Forms page, select the Switch Checking to request the switch with our secure email form.

If you are not yet a NIHFCU member and want to get started:

• Open an account online in just minutes.

All are welcome to open their accounts at any NIHFCU branch, or call 1-800-877-6440 for additional support.

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

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