Benefits Checking

Benefits Checking makes it simple to keep your finances safer and take advantage of smart discounts in financial services and everyday purchases.

Financial Features

  • Online Banking and Bill Pay.
  • Mobile Banking.
  • E-Statements.
  • Access to over 32,000 surcharge - free ATMs across the United States and Puerto Rico.
  • SmartCash Visa® Debit Card.
Plus, with Benefits Checking you also receive the following benefits:


  • Identity theft monitoring and resolution service for you, and your joint account holders.
  • Includes Credit File Monitoring², Credit Report, Identity Theft Expense Reimbursement  Coverage , and Resolution Service.      

Debit Advantage®

  • Buyers Protection covers items for 90 days from the date of purchase against accidental breakage, fire, or theft.
  • Extended Warranty extends the U.S. manufacturer’s original written warranty up to one full year on most new retail purchases if the warranty is less than five years. Item(s) must be purchased entirely with eligible account.

Travel and Leisure Discounts

  •  Redeem and print coupons online.
  •  Access discounts from your mobile device.
  •  Local and national discounts such as: hotels, restaurants, rental cars, museums, florists, sporting events,  dry cleaners and more  (Registration/enrollment required. Available online only.).

Cellular Telephone Protection

  •  Cellular telephone bill must be paid using eligible account.
  •  Covers first three phones listed on the cellular phone bill.
  •  Covers damage or theft.
  •  Up to two claims per year.
  •  Up to $300 per claim.
  •  $50 deductible per claim.

$hopping Rewards™

  •  Access to exclusive offers and discounts at thousands of leading online retailers.
  •  Shop online using our customized shopping portal and receive cash back.
  •  Cash back will be held in your Shopping Rewards account to use towards future purchases - or conveniently sent to you as a check.


No minimum deposit required to open account. No transaction limitations apply to this account. An Account Service Fee of $3 will be assessed every month for a Special Program of benefits and features that are unique to the opening of this account.  Members will register and activate these services after checking account opening.  Services and features offered include IDPROTECT®, Cellular Telephone Protection, Debit Advantage®, Travel and Leisure Discount Membership, and Shopping Rewards™ and may be subject to change.  When registering for Special Program services and features, all terms, conditions, and exclusions will be provided. The member will refer to the Guide to Benefit and/or insurance documents for complete details of coverage and exclusions.  Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance.  Insurance products are not insured by NCUA or any Federal Government Agency.  They are not a deposit of or guaranteed by the Credit Union.  Benefits Checking Accounts do not earn dividends.