- IDProtect® – identity theft monitoring and resolution service(1), including: Up to $10,000 in Identity Theft Expense Reimbursement Coverage(2) Fully Managed Identity Theft Resolution Services Debit and Credit Card Registration* Benefits below are being updated and will include: ·
- Credit File Monitoring* – Daily credit file monitoring and automated alerts of key changes to your Equifax credit report. ACTIVATION: Credit File Monitoring will be turned on automatically for the primary account owner listed above, provided information has been verified by the Credit Reporting Agency and primary account owner has not previously activated Credit File Monitoring. See sidebar regarding activation for primary account owner and reverse for Terms and Conditions and complete details regarding activation, including activation for joint account owner(s). Must be 18 years or older. Note: An email address must be on file to receive credit file monitoring alerts.
- Identity Monitoring* – Monitoring of more than 1,000 databases and monthly Risk Score.
- Credit Report* – Request a single bureau credit report every six months or in the event you have suffered an identity theft event and have opened a resolution case.
- Credit Score(3)* – Access to a new single bureau credit score every month. ·
- NEW Credit Score Tracker – Receive valuable insight into your credit score(3,4). Score Tracker plots your credit score each month on a chart so that you can easily see changes over time, along with score factors that provide insight into what events may have caused your credit score to change at a certain point in time.
- NEW CyberRecover™ – Get 24/7 access to personal cyber advocates who can help defend against extortion, ransomware, online fraud, gaming security risks and more. Stay protected with expert support when you need it.
- NEW Dark Web Monitoring – Monitor your personal information on the dark web and receive alerts when your personal information is exposed.
- NEW Cell Phone Protection(2) – Receive up to $600 of replacement or repair cost for damaged or stolen phones. (Cell phone bill must be paid using this account.)
- NEW Health Discount Savings* – Enjoy savings on vision, prescriptions and dental services. (This is NOT insurance.)
- NEW Telehealth(5)*– Access to 24/7 video or phone visits with U.S.-based board-certified, licensed and credentialed doctors ready to help with physical and mental health care. There are zero copays, plus discounts on prescriptions and lab work.
- Free Cashier’s Checks
- Free Medallion Stamp Guarantee
- Free Incoming Wires
- Free Overdraft protection (to qualifying members)
- Free Notary Services For Members
- Free Online Banking & Bill Pay
- Free eStatements
- Free Mobile Banking With Mobile Deposit
- Free Telephone Banking
- Free Visa® Debit Card & Free Debit Card Replacement (up to 5 per year)
- Access to surcharge-free ATMs
- 1 free box of checks annually for members 60+
- No minimum deposit to open or minimum balance requirements
All for a low monthly maintenance fee of $7.00
*Registration/activation required
Please refer to the Terms & Conditions for complete details regarding activation of the monitoring services with IDProtect® , as well as additional benefit disclosures.
TERMS AND CONDITIONS
IDProtect® Monitoring Services:
Credit File Monitoring – Daily credit file monitoring and automated alerts of key changes to your Equifax credit report.
ACTIVATION (Primary Owner): Effective June 1, 2026, Credit File Monitoring will be turned on for the primary account owner to which this letter is addressed, provided primary account owner is 18 years of age or older and information has been verified by the Credit Reporting Agency (CRA) and primary account owner has not previously activated Credit File Monitoring.
A unique email address must be on file to receive alerts. To verify activation and to confirm information on file, you will need to complete registration using the instructions found on the front of this letter. Mobile credit alerts may be activated at that time. Mobile fees may apply. If you do not want Credit File Monitoring activated, please contact the Benefits Service Center at (866) 210-0361.
Joint Account Owner(s): Credit File Monitoring will not be turned on for joint account owner(s). Joint account owner(s) see bottom of this letter for instructions on how to access benefits. Credit File Monitoring may take several days to begin following activation. A unique email address must be on file to receive alerts.
WRITTEN INSTRUCTIONS/DISCLOSURE: Under the FACT Act amendments to the Fair Credit Reporting Act, you are entitled to one free annual credit report from each of the three major credit reporting companies in a 12-month period. You authorize the administrator of this Program (Econocheck; “ECC”) and Equifax Consumer Services LLC (“CRA”) to use your personal information to activate the Credit File Monitoring (“CFM”) services. You understand that in accordance with the Fair Credit Reporting Act, you are authorizing and providing “written instructions” under the Fair Credit Reporting Act to ECC and CRA (and each of their affiliates), to obtain your credit information from your personal credit file maintained by one or more of three nationwide credit reporting agencies and you hereby authorize ECC and CRA (and each of their affiliates) to access your personal credit information in order to (i) confirm your identity and (ii) provide your credit data and the CFM services (credit report, credit score, credit file monitoring) to you related to your use and enjoyment of the service.
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 score rating is generated with your initial scan and monthly thereafter and can be viewed online. If your score reflects a high risk score, a Risk Specialist will follow up with you by email or phone to discuss the scan.
ACTIVATION: Identity Monitoring will not be turned on for primary or joint account owner(s). Registration is required to activate this benefit and an active phone number must be on file to receive notice of elevated risk score. Primary account owner and joint account owner(s) may activate by going online. Please see bottom of this letter for additional instructions.
ADDITIONAL DISCLOSURES:
- (1)Benefits 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.
- (2)Special 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. Guide to Benefit and insurance documents can be found online at skysecure.clubchecking.com or through the Club Checking mobile app. Insurance 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.
- (3) You will have access to your credit report and score provided your information has been verified by the CRA. Credit score is a VantageScore 3.0 based on Equifax data. Third parties may use a different type of credit score to assess your creditworthiness.
- (4) Credit Score Tracker: Once credit file monitoring has been activated and you have requested your first credit score, you may request a new credit score each month to be plotted on your Credit Score Tracker graph. Monthly email notifications will be sent to let you know when your new score is available.
- (5) Available for the account holder(s) and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is not insurance.
ALREADY REGISTERED?
- Visit the NEW website skysecure.clubchecking.com
- Log in using the same username and password you previously set up at www.idprotectme247.com
NEVER REGISTERED?
- Visit the NEW website skysecure.clubchecking.com
- You will need Access Code: MT254788
- Follow the simple step-by-step instructions to register and access all the benefits with Sky Secure
ACCESS BENEFITS WHILE ON THE GO!
- Download the Club Checking Mobile App!
- Instructions are available at skysecure.clubchecking.com.
- Available on iOS and Android phones.
HAVE QUESTIONS?
- Call the Benefits Service Center at (866) 210-0361,
- Monday – Friday, 8:30 a.m. to 5:00 p.m. (EST), to learn more about your benefits, or for assistance with registration and activation.
Please note, the IDProtect® mobile app will no longer be available after May 31, 2026.
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