Power Protection

protection

Protect Your Identity
• Identity Theft Expense Reimbursement Coverage**
Receive up to $10,000 to help pay expenses, clear your name and restore your identity, should you become the victim of identity fraud.
• Comprehensive Identity Theft Resolution Services
Should you suffer identity theft, your very own IDProtect fraud resolution specialist will help you every step of the way until your identity is restored.
• Debit and Credit Card Registration
Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards should your cards become lost or stolen.
• 3-in-1 Credit File Monitoring***
IDProtect will monitor your Equifax, Experian and TransUnion credit files daily, and automatically alert you if key changes occur.
• 3-in-1 Credit Report
Request an updated credit report every 90 days or upon receipt of alert. Each new report includes an updated single bureau credit score. Credit Score is a VantageScore 3.0 based on single bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. 
• Identity Monitoring
Monitoring of over 1,000 databases.
• Online Identity Theft News Center and Valuable Phone and Web Resources 

Protect From Unexpected Losses
• Accidental Death & Dismemberment Insurance**
Receive up to $10,000 24-hour Accidental Death & Dismemberment Insurance. (Coverage divides equally on joint accounts and reduces by 50% at age 70.)
• Cellular Telephone Protection**
Receive up to $400 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. Maximum of two claims per year. Covers the first four phones on a cellular telephone bill paid through your checking account. Cellular telephone bill must be paid using eligible account.
• Buyer’s Protection & Extended Warranty**
Buyer’s Protection covers items for ninety 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 this account.

Registration/activation required for benefits. Some benefits are only available online. *Wireless carrier fees may apply. *IDProtect is a personal identity theft protection service available to personal checking account owner(s), and their joint account owners. The service 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. **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 certificate of insurance. ***Credit file monitoring may take several days to begin following activation. 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. Power Checking has a $5 monthly service fee.