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Basic Checking
Account Description NIHFCU standard checking option with dividends. It provides numerous free benefits for those who select this option but may not need frequent ATM access.
How To Apply Have an NIHFCU share account so that you are eligible to open a checking account. Visit any branch to submit your Checking Account Application or mail it. Questions? Call us.
Mobile Access Stay in touch with your money from anywhere in the world, anytime using any of our latest technologies. Learn more.
Online Services
  • Online Banking: Check balances, transfer funds, pay bills online; receive balance alerts and notifications in real time, any time.
  • Check View: View digital copies of cleared checks online.
  • e-Statements: Get your monthly statement delivered electronically.
  • FinanceWorks: your personal money management assistant.
Access 24 Call NIHFCU's Automated Phone Banking System 301.838.0644 | 800.900.0644
VISA® Platinum Debit Rewards Card Make purchases from your checking account without having to write a check, anywhere VISA® is welcome. Earn points redeemable for over 6 million reward options. Learn more.
Cash Rewards Opt-in to special offers from popular retailers and earn cash deposited into your NIHFCU checking account. Learn more.
Coast-To-Coast More than 5,000+ shared branches nationwide and 30,000 surcharge-free ATM's nationwide - it's like having an NIHFCU branch everywhere you go. Learn more.
Travelers Checks Convenience for your traveling needs.
Bonus rates on certificates Receive an additional .25% on the APY of your Certificate with direct deposit of $1,000 or more into a qualified account. Ask for details.
Overdraft Protection availability You can sign up for overdraft protection transfers from your share account (up to 6 per month allowed), or apply for a credit line that can be used for overdraft protection. Please speak with an NIHFCU representative for more information on other overdraft protection that may be available. Learn more.
Verified by VISA Protects your NIHFCU Debit Rewards card against unauthorized use when you shop online at participating retailers. View the FAQ.
Choose One Free if average daily checking balance is greater than or equal to $100 or combined account plus loan balance is greater than or equal to $5,000 each day of the month.1


$5 monthly service fee.
Subject to change without notice.  Certain restrictions apply.
NCUA | Accounts in the same name are insured to an aggregate total of $250,000 by the National Credit Union Share Insurance Fund
More Information
Switch Kit, transfer your checking account from another financial institution click here.
Platinum Debit Rewards Card, for information and to apply please click here.
ATM Rebate form for Money Manager or Money Manager Plus Account holders click here.
How to Balance Your Checkbook Worksheet (PDF download)
Important information on electronic funds transfers and statement errors/inquiries click here
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1 Checking account programs and terms are subject to change at any time