More Checking Benefit Features

IDPROTECT^® – Identity theft monitoring and resolution service for you and your joint account owners¹.

• • • Up to $10,000 Identity Theft Expense Reimbursement Coverage² – Cover expenses associated with restoring your identity.
    • Fully Managed Identity Theft Resolution Services – Access to a dedicated fraud specialist assigned to manage your case who will work with you until your identity is restored.
    • Identity Theft Recovery Case Plan - Get informed about the recovery process.
    • Credit File Monitoring³ – Daily credit file monitoring and automated alerts of key changes to your single bureau credit report. Registration/activation required.
    • Identity Monitoring – Monitoring of more than 1,000 databases and public records to identify suspicious activity, including credit header information, phone records, United States Postal Service records and more. A risk rating is generated with each monthly scan and if your scan reflects a high-risk score, you will be notified. Registration/activation required.
    • Credit Report and Score⁴ – Request an updated single bureau credit report every 180 days or upon opening a resolution case. Each new report includes an updated single bureau credit score. Registration/activation required.
    • Debit and Credit Card Registration - Register your credit and debit cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards should your cards become lost or stolen. Registration/activation required.
    • Online Identity Theft News Center and valuable phone and web resources. Registration/activation required.

Cellular Telephone Protection² – Receive up to $400 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. The cellular telephone bill must be paid using a More Checking account.

Debit Advantage^® – Buyer’s Protection² and Extended Warranty². For coverage, item(s) must be purchased entirely with this account.

Roadside Assistance Expense Reimbursement²– Roadside assistance expenses incurred through the VIP Concierge roadside assistance network are reimbursable up to $80 per occurrence. Covered expenses include expenses for vehicle towing, fuel/oil/fluid/water delivery, and battery/lock-out/tire assistance. Maximum of two reimbursement claims per year.

VIP Concierge Services - Access travel emergency assistance service. Relieve the hassle and receive personal assistance with last-minute or emergency travel and flight changes, lost luggage/passport/travel documents, restaurant/theatre/sporting event reservations and even pre-trip travel advice and roadside assistance, plus many other concierge and emergency travel services. This service includes 24/7 concierge services only. All costs to secure requests are your responsibility.

$hopping Rewards^TM – Get access to exclusive offers and discounts at thousands of leading online retailers. Simply shop online using our customized shopping portal and receive cash back. Your cash back will be held in your $hopping Rewards account to use toward future purchases or conveniently sent to you as a check. Registration/activation required; available online only.

Travel and Leisure Discounts – Get money-saving discounts from thousands of local and national businesses. Redeem and print coupons online or access discounts from a mobile device. Digital access makes saving easy and convenient, giving instant savings anywhere, anytime. Available online only.

¹Benefits are available to More Checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students.
²Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is offered through the company named in the Guide to Benefits or on the certificate of insurance.
³Credit file monitoring may take several days to begin following activation.
⁴Credit Score is a VantageScore 3.0 based on single bureau credit data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness.

Insurance Products are not insured by NCUA or any Federal Government Agency. Not a deposit of or guaranteed by the credit union or any credit union affiliate.