Checking

Club Checking is a premium checking account that gives you all the added benefits you want and need in today's financial world while protecting you against fraud, identity theft and life's unexpected events.

A $5.00 monthly service fee applies. However, it is easy to reduce or eliminate the monthly service fee by:

• Performing 30 debit card swipes in a month to reduce the service fee by $3.00
• Enroll in e-Statements to reduce the service fee by $1.00
• Enroll in direct deposit to reduce the service fee by $1.00
• Or by performing a total of 50 debit card swipes in a month or maintaining a minimum daily balance of $4,000 and eliminate the $5.00 monthly service fee altogether.

With only an initial deposit of only $50, you may begin enjoying the benefits of Club Checking:

Help Better Protect Your Identity - You can rest easy knowing that IDProtect®, our identity theft monitoring and resolution service¹, can help better protect you.

Up to $10,000 Identity Theft Expense Reimbursement Coverage² - For expenses associated with restoring your identity.

Fully Managed Identity Theft Resolution Services - Access to a dedicated fraud specialist assigned to manage your case until your identity is restored.

Debit and Credit Card Registration (registration/activation required)

Credit File Monitoring - Daily credit file monitoring and automated alerts of key changes to your credit reports. (registration/activation required)

Credit Report and Score³ - Access to credit report and credit scores. (registration/activation required)

Identity Monitoring - Monitoring of over 1,000 databases (registration/activation required)

Online Identity Theft News Center and Valuable Phone and Web Resources (registration/activation required)

Accidental Death & Dismemberment Insurance² - Receive up to $10,000 24-hour Accidental Death & Dismemberment Insurance. Accidental death insurance coverage (Accidental death and dismemberment insurance coverage divides equally on joint accounts and reduces by 50% at age 70.

Cellular Telephone Protection² - Receive up to $300 of replacement tor repair costs if your eligible cell phones are stolen or damaged. (Cellular telephone bill must be paid using eligible account.)

Debit Advantage® – Buyer’s Protection² & Extended Warranty² (Item(s) must be purchased entirely with this account for coverage.)

Travel and Leisure Discounts - Money-saving discounts from thousands of local and national businesses – redeem and print coupons online or access discounts from a mobile device. (available online only)

Health Discount Savings - This is NOT insurance (registration/ activation required)

$hopping Rewards^TM (registration/activation required; available online only)

All of these benefits are yours with Club Checking!
Some of the benefits require you to register or activate at no additional charge.

ALREADY REGISTERED?
After December 30, 2020, you will access your benefits at a new website, www.ClubChecking.com
Use the same user name and password you previously set up at www.eClubOnline.net.

NEVER REGISTERED? Registration is easy!
Go to www.ClubChecking.com and follow the simple step-by-step instructions to register and activate benefits (contact the Credit Union office if you don’t have the Access Code), or Call 1-866-210-0361 for questions related to any of the benefits and services, or for assistance with registration and activation.
Once you are registered, accessing your benefits will be easy – online at www.ClubChecking.com
or with the Club Checking mobile app! Mobile App instructions are available online at the Club
Checking website!

Other benefits

• Dividends paid quarterly
• Free Home Banking
• Free e-Statements with check images
• Free Bill Pay
• Free ATM usage at Publix Presto machines and the Co-op Network
• Free VISA® Debit Card that can be used nationwide through the Plus, Pulse and other networks
• No charge for pre-authorized payments
• Free standard format checks
• Direct Deposit and Payroll Deduction

Other Features

• No minimum balance required
• Overdraft protection availability
• No per check charges
• No cancelled checks. Instead, you’ll have a carbonless copy of all checks that you write
• Consolidated monthly statement
• Easy deposit methods. You may make share draft (checking) deposits either in person, via mail, by ach or by payroll deduction.

Please see our Fee Statement for any applicable fees, or contact us for more information about our checking accounts.

Disclosures:
¹Benefits are available to personal 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 provided through the
company named in the Guide to Benefit or on the certificate of insurance.
³Credit Score is a VantageScore 3.0 based on [Equifax/single credit bureau] data. Third parties may use a
different VantageScore or a different type of credit score to assess your creditworthiness. Once you have
activated credit file monitoring, you may request your credit score. Once you have done so, it will then
refresh on a monthly basis.

Insurance and Warranty Products are not insured by the NCUA or any Federal Government Agency; Not a deposit of or guaranteed by the Credit Union or any Credit Union Affiliate. Insurance and Warranty products are not products of the Credit Union and are not obligations of or guaranteed by the Credit Union. Insurance or warranties may be purchased from an agent or an insurance company of the Member’s choice; and the Credit Union makes no representations as to the services of any provider.