Overdraft Coverage Life happens! At the NIHFCU, we know that mistakes occur. Fortunately, we offer several options that can provide assistance. Overdraft Protection Automatically transfers funds from your NIHFCU savings to checking at no additional cost to cover your overdrafts, as long as funds are available (up to 6 per month). Checkmate Line of Credit A personal line of credit that provides quick access to cash for overdrafts or other needs with no per-item fees. Subject to credit approval and interest charges apply. Learn more and apply. Note: The Checkmate Line of Credit is not available for business accounts. Courtesy Pay Should other sources of overdraft protection be exhausted, this provides coverage up to $700 (including fees) for checks, electronic debits (ACH), recurring debit card payments and online bill payments. Consent to Courtesy Pay Plus to also cover your ATM and everyday debit card transaction (a $30 fee applies for each overdraft) Compare your overdraft options or contact a representative for help. Speak to a specialist 1-800-877-6440 COMPARE OPTIONS Financial wellness begins and ends with the facts. Here’s what you need to know! 1 Minor, trust, club & organizational and deceased member accounts are not eligible for Courtesy Pay. Members with the following conditions on their account(s) are temporarily ineligible for courtesy pay but may become eligible once the condition(s) are removed: Past due NIHFCU loan of more than 31 days; charged-off NIHFCU loan; accounts with a negative balance for more than 31 days; consumer checking account open less than 31 days; business checking open less than 61 days, accounts with levies, garnishments or bankruptcies, regular share account with balance under $25. Courtesy Pay is a privilege offered by NIHFCU for Checking account members that are in Good Standing, and may be revoked at any time at the discretion of NIHFCU. Contact Information NIH Federal Credit Union PO Box 6475 Rockville, MD 20849-6475 1-800-877-6440 1-301-881-5822 (TDD/TTY) Send an Email More Contact Information Follow Us: Legal Information Disclosures Accessibility Privacy Policy NIHFCU NMLS #803678 Routing# 255076944 NCUA – Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. EHO – We do business in accordance with the Fair Housing Act and Equal Credit Opportunity Act. © 2021 NIH Federal Credit Union