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NIH Federal Credit Union offers a wide range of personal and business checking accounts that save you time and money. We offer three intelligent checking accounts with many free benefits to match your busy lifestyle. If you are ready to switch to NIHFCU, we make it easy! Learn more.

  Money Manager Plus Money Manager Basic
FREE VISA® Platinum Debit Rewards Card
FREE Cash Rewards
FREE Online Banking and Bill Pay
FREE Mobile Banking with Mobile Deposit
FREE use of any ATM in the world1 
Foreign exchange fees not rebated


$25 rebate/month
FREE Incoming Wires
FREE Outgoing Wires
2 per month (domestic)
FREE Standard Checks
FREE Money Orders
Overdraft Protection 
Monthly Service Fee None with $25,000 in combined savings balances;


Direct Deposit2  and $10,000 in combined savings balances3;


$20 monthly service fee.
None with Direct Deposit2 ;


$17 monthly service fee.
$5, waived if checking balance is greater than or equal to $100


combined account plus loan balance is greater than or equal to $5,000 each day of the month.
Additional Privileges
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.
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
Not a Member?
Still have questions?
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1 ATM Fee Rebate Form must be submitted within 60 days of the date of your last statement. Reimbursements are for ATM surcharges from other financial institutions only. Foreign exchange fees are not rebated. Subject to change without notice. Certain restrictions apply.
 Monthly cumulative Direct Deposit of at least $1,000 required to avoid maintenance fee.
3 Combined savings balance includes all share, checking, money market and/or certificate account.

Checking account programs and terms are subject to change at any time.

NIHFCU accounts are federally insured up to at least $250,000 by the National Credit Union Administration, a United States government agency. IRAs are insured separately up to $250,000. For additional details, click here