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Benefits Checking

A long list of benefits make this an extraordinary account

It starts with everything you might expect in a full-service checking account - anytime digital banking, a SmartCash Visa® Debit Card and nationwide ATM access. But this account goes far beyond the ordinary with features that include ID theft monitoring, shopping rewards, travel discounts, and much more.

  • 24/7 Online Banking and Bill Pay
  • Free mobile app and mobile check deposits
  • Free SmartCash Visa® Debit Card
  • Low monthly fee of $5 per month
  • Free unlimited access at all Transcend Credit Union ATMs


  • Access to 24/7 video or phone visits with board certified and licensed doctors
  • $0 copays
  • Discounts on prescriptions and lab work

ID Protect®

  • Identity theft monitoring and resolution service for all account holders
  • Includes credit file monitoring, free credit reports, identity theft expense reimbursement and resolution service

Cellphone Protection

  • Phone bill must be paid using eligible account
  • Covers damage or theft for first three phones listed on phone bill
  • Up to two claims per year
  • Up to $300 per claim and $50 deductible per claim

Travel and Leisure Discounts

  • Redeem and print coupons online
  • Access discounts from your mobile device
  • Local and national discounts for hotels, restaurants, rental cars, museums, florists, sporting events, dry cleaners, and more (registration/enrollment required; available online only)

Shopping 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

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; items must be purchased entirely with eligible account

No minimum deposit required to open account. No transaction limitations apply to this account. An Account Service Fee of $5 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 Telehealth, 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.

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