StandardCare Checking Account
Our basic checking option
StandardCare Checking
A great option with just the basic checking essentials minus most of the CompleteCare benefits, values, and perks!
StandardCare – Features & Benefits
- No initial deposit required
- No monthly maintenance fees
- Withdraw funds in this account at any U.S. ATM, without an NIHFCU fee. 1
- Get 0.25% off select NIHFCU loans with auto-debit from an NIHFCU savings or checking account. 2
- Earn rewards points on every NIHFCU debit card purchase, redeemable for merchandise, cash and more.3
- Enroll in My Credit Rx for free 24/7 access to your credit score and report, get alerted to unusual activity, and more.
Other StandardCare Features
Overdraft Protection
Several options to assist when mistakes occur
Clickswitch
The easy way to move direct deposits and auto-payments
Zelle
Send money in moment to those you trust
FAQs
See our most frequently asked questions
No, there is no initial minimum deposit required to open this account.
No, this account does not have a monthly fee.
Standard Care checking is a great way to meet essential checking needs. However, you will be missing out on virtually all of the CompleteCare checking benefits, including:
- Cell phone protection
- Roadside Assistance
- Food & Fun Discounts
- Rideshare Protection
- Identity theft resolution services and reimbursement coverage
- Dark Web Monitoring
- Identity Monitoring
- CyberRecover by DynaRisk
- Early Direct Deposit – expedited direct deposits
- Mortgage Closing Credit
- Free Domestic and International Wire Allotment
- Free annual box of standard checks
- Paper statement fee avoidance
Learn more about Complete Care Checking and all its exciting values, perks, and benefits.
No, this account and our CompleteCare checking account is not available for businesses. Visit our business checking page to learn more about accounts for your business.
Yes, we offer several overdraft protection options, including a personal line of credit, Courtesy Pay, and Courtesy Pay Plus. Visit our overdraft page to learn more about these options.
Get Started With StandardCare Checking
Disclosures
Checking account programs and terms as of 01/24/2026 and subject to change at any time. Certain restrictions apply.
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1)
A surcharge fee may still be assessed by the owner of a non-NIHFCU ATM that is not part of our surcharge-free network.
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2)
Cannot 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..
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3)
Earn 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 charities.