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Checking that Cares about your financial wellness!
The National Institutes of Health Federal Credit Union’s two checking accounts are suited for any lifestyle and need. Both accounts are digitally enabled and accessible 24/7, so you can bank around your schedule…at any time and any place. See how CareFree and TotalCare checking can help provide the financial wellness you deserve.
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Checking options with a ton of benefits
CAREFREE CHECKING – A great standard account with no monthly fees. |
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Open an account today or call 800-877-6440 to speak with a representative. >>> Easy account switching is here with ClickSWITCH – move your direct deposits and automatic payments in just minutes.
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TOTALCARE CHECKING – Our premium account loaded with exceptional benefits. |
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Enjoy all the standard benefits of CareFree checking,
PLUS these additional benefits just for TotalCare checking members:
Try TotalCare Checking with our 2-month “First Look” period – switch at any time 7! Open an account today or call 800-877-6440 to speak with a representative. >>> Easy account switching is here with ClickSWITCH – move your direct deposits and automatic payments in just minutes.
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Visa® Platinum Debit Rewards
Shop with your NIHFCU Visa Platinum Debit Rewards card for two easy ways to great rewards!
Earn points on all your everyday purchases 8
Earn more points when you select CURewards® offers from popular retailers and online merchants
Get more rewards! Visit CURewards to register your card, view special offers, and redeem points for merchandise, travel, gift cards, cash, or to donate to NIH charities.
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Overdraft Coverage
NIHFCU offers a variety of options that can provide assistance when a transaction exceeds your available balance.
Overdraft Protection– a fee-free option that automatically transfers funds from your NIHFCU savings account (up to 6 per month).
Personal Line of Credit– this line-of-credit9 is a great way to cover overdrafts and provide access to cash for other urgent needs.
Courtesy Pay– if your account is eligible10, we’ll extend up to $700 in additional coverage (including fees) when your other sources are insufficient to cover an overdraft. To extend coverage to also include ATM or everyday debit transactions, you can opt-in to Courtesy Pay Plus. (There is a $30 fee for each overdraft covered by Courtesy Pay or Courtesy Pay Plus.)
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Important Forms and Documents
ATM Fee Rebate – for Money Manager or Money Manager Plus accounts11
Direct Deposit Authorization
To order checks, log in to online banking or call 1-800-877-6440.
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Already have an NIHFCU Checking Account?
If you have an NIHFCU checking account no longer offered, you can stay with it. Or, you can switch to CareFree or TotalCare checking. Just submit an account change eform, stop by any branch or call.
Unsure about switching accounts? Our representatives can help you compare account features to select the account that’s right for you.
Rates, fees and terms as of August 31, 2024 and subject to change without notice