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We offer two convenient checking accounts perfect for our busy members. CareFree Checking comes with no monthly maintenance fees, debit rewards, no-fee ATM access, and more. Choose TotalCare Checking for an even vaster array of exceptional financial features plus identity theft protection, and more.

Minimum deposit to open and maintain account $0 $0
Debit card with 3-tiered Debit Rewards program
No-fee withdrawals at over 30,000 Network ATMs
No NIHFCU-fee for non-network ATM transactions (a)   3 per month
No-fee NIHFCU ATM transactions
No-fee Online, Mobile and Text banking
No-fee person-to-person transfers (3-day service) (b)
Complimentary Standard Checks (c)
1 box every 12 months
Overdraft protection options
Complimentary Cashier’s Check (1/month)
Rate Reduction on select NIHFCU Loans (d) -0.25% -0.50%
No NIHFCU fee for incoming wires  
No NIHFCU fee for domestic outgoing wires   2 per month
IDProtect® Monitoring & Resolution Service (e)  
learn more
Cellular Telephone Protection (f)  
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Monthly Fee $0 MEMBER'S CHOICE
$0 with a monthly direct deposit of $500+ to your TotalCare account AND have an NIHFCU credit card, loan or line (g)
$6.95/month if the above requirements are not met.
apply now
or visit any NIHFCU branch

Already have an NIHFCU checking account?

Click here

The above accounts are not available for business checking. For business checking, please call 800.877.6440.

Manage Your Checking Account
  • Switch Kit, Transfer your checking account from another financial institution with ease, click here
  • NIHFCU Direct Deposit Authorization Form, click here
  • Platinum Debit Rewards Card, register your card, manage your points and more click here.
  • Overdraft Protection options, click here
  • How to Balance Your Checkbook Worksheet (PDF download)
  • Important information on electronic funds transfers and statement errors/inquiries click here
  • Check order / re-order, log in to online banking or call 800.877.6440.
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Features and benefits as of May 7, 2018 and subject to change without notice.
  1. NIHFCU will waive its $1.50 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.
  2. a $5 fee applies for 1-day person to person transfers (click here for more details).
  3. Additional cost for premium/custom checks as well as for additional orders outside the complimentary allotment applies.
  4. On CareFree checking, get 0.25% discount off approved signature and auto loan rate with automatic-debit of loan payment from any financial institution. On TotalCare checking, get an additional 0.25% discount off approved signature and auto rate (a total of 0.50% off) for automatic-debit of loan payment from your TotalCare checking account. Cannot be combined with any other offer and total discount cannot fall below lowest rate available at time of the loan’s origination.
  5. IDProtect service is a personal identity theft protection service available to personal checking account owner(s), their joint account owners and their eligible family members. Service is not available to a “signer” on the account who is not an account owner. Service is not available to clubs, organizations and/or places of worship and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members. For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and their eligible family members (Fiduciary is not covered). Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household. Click here for more details.
  6. Cellular telephone bill must be paid through your TotalCare Checking account. Click here for more details.
  7. Excludes mortgages sold with servicing released.