Why do I need Secure Checking with IDProtect®?

We've all seen the headlines. Despite everyone's best efforts, data breaches continue to happen. Hackers and identity thieves obtain more personal and financial information everyday.  In fact, Michigan was rated the worst state in America for identity theft.

At just $4.95/month, Secure Checking with IDProtect® delivers:

  • Credit File Monitoring3- daily credit file monitoring and automated alerts of key changes to your Experian, Equifax, and TransUnion credit reports
  • Identity Monitoring - monitoring of over 1,000 databases including credit, Social Security, public records, real property records, telephone, and many others.
  • Fully Managed Identity Theft Resolution Services - should your identity ever be stolen, you will have a fraud specialist assigned to manage your case and work with you until your identity is restored.
  • Up to $10,000 identity theft expense reimbursement coverage3 - to cover expenses associated with restoring your identity (please see Guide to Benefit for additional details regarding eligibility, terms, and exclusions.)
  • 3-in-1 Credit Reports - request a new 3-in-1 report every 90 days or upon receipt of credit alert
  • Credit Score4 - receive a new single bureau credit score with every new credit report
  • Debit and credit card registration
  • Online identity theft news center and valuable phone and web resources
 
Plus all of the convenient banking features you expect:
  • No minimum balance requirements
  • Overdraft protection from savings or line of credit
  • Courtesy Pay up to $5001 
  • Free online/mobile banking & Bill Pay2
  • Free eStatements

Open New Account

Activate IDProtect®

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Cell Phone Protection

Another benefit of Secure Checking is cell phone protection. This insurance benefit is automatically applied at no additional cost, when you pay your cell phone bill through your Secure Checking account.


Secure Checking
Cost Included with Secure Checking
# of lines covered 4
Coverage value $400
Broken phone coverage x
Stolen phone coverage x
Lost phone coverage
Deductible $50
# of claims allowed in 12 months 2

Secure Checking account holders may choose to use this cell phone protection in place of or in conjunction with the existing coverage plans. 

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Travel & Leisure Discounts

Money-saving discounts from thousands of local and national businesses.  Members can redeem and print coupons online and access discounts from their smartphone.  Digital access makes saving money super easy and convenient, giving you instant savings anywhere, and anytime.
 
 
(You must register online with eClub and enroll in the Travel and Leisure Discount Membership program in order to receive this benefit.)

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$hopping Rewards™

Receiving $shopping Rewards is simple!  As a member, you have 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 Shopping Rewards account to use towards future purchases or conveniently sent to you as a check.  Yes, it's that easy!

 
(Registration with eClub required.  Available online only.)

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Debit Advantage®

Debit Advantage® consists of two distinct benefits: Buyer's Protection and Extended Warranty.
 
Buyer's Protection: covers items you buy with your Secure Checking account for 90 days from the date of purchase against accidental breakage or theft.
 
Extended Warranty: extends U.S. manufacturer's original written warranty up to one full year on most new retail purchases.  The item's original warranty must be less than five years to qualify for Extended Warranty coverage.  Item(s) must be purchased entirely with a Secure Checking account.  Restrictions apply.
 

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AD&D Insurance

Secure Checking account holders receive up to $10,000 of 24-hour Accidental Death & Dismemberment (AD&D) insurance coverage.  Coverage is divided equally among joint account holders.  Coverage is reduced to 50% at age 70.

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Conversion FAQs

Q.  When does the Secure Checking conversion take place?
A.  Current MemberFocus Community Credit Union checking account holders will be transitioned into Secure Checking on July 1, 2018.
 
Q.  When can I start using the new benefits?
A.  You will have access to all of these valuable benefits as of July 1, 2018.  Your Cell Phone Protection, Identity Theft Expense Reimbursement, Accidental Death & Dismemberment Insurance, and Debit advantage are automatically effective July 1, 2018.  Other benefits require activation before they take effect.
 
Q. Will I have a new checking account number?
A.  No, your checking account number remains the same.
 
Q.  Do I have to contact MemberFocus regarding recurring automatic withdrawal or deposit arrangements?
A.  No, it is not necessary to make any changes since your checking account number will remain the same.
 
Q.  Will I receive new checks or a new debit card?
A.  No, you will not be sent new checks or a new debit card since your checking account number will remain the same?
 
Q.  Will I have to set up new online or mobile banking access?
A.  No, your online and mobile banking access will not be affected by the Secure Checking conversion.

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To learn more about Secure Checking, or if you have any questions about the July 1, 2018 transition, please call us at (313) 581-2002.
 
DISCLOSURES:
1. Courtesy Pay is an additional form of overdraft protection that is available for eligible members, 90 days after checking account opening.
2. Online and mobile Bill Pay are free services for credit union members enrolled in eStatements.  There is a $4.95/month fee for Bill Pay for members enrolled in paper statements.
3. IDProtect® service is a personal identity theft protection service available to personal checking account owners, their joint account owners, and their eligible family members (service not available to employees or authorized signers who are not owners).  Service is not available to a "signer" on the account who is not an account owner.  Service is not available to clubs, organizations, and/or churches and their members, schools and their employees/students.  For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members.  For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and their eligible family members (fiduciary is not covered).  Family includes: spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.
4. Credit file monitoring may take several days to begin following activation.
5. 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 offered through the company named in the Guide to Benefit or on the insurance document.
 
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.