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benefits checking

Explore the power of benefits1

Review the details of each benefit and breathe easy—we’ve got you covered.

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Savings. Security. Convenience.

Your Benefits Checking account comes with the following services. Access them 24/7 through your portal in digital banking.

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ID theft benefits
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Telehealth services
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Roadside assistance
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Travel & leisure discounts

IDProtect® benefits

Track your credit score2 and get useful insights with the credit score simulator. Credit file monitoring* will monitor your credit files and will alert you if key changes occur. You will also have the ability to request a single bureau credit report every six months or upon opening an identity fraud resolution case. You are also covered with dark web monitoring*and identity monitoring* that reviews over 1,000 databases – and you will be notified of suspicious activity. You will also have access to a dedicated cyber advocate to help with cyber attacks, and identity theft resolution services with a dedicated fraud specialist and up to $25,000 in identity theft expense reimbursement coverage3.

View all Benefits Frequently Asked Questions

Telehealth services4

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. (Registration/activation required)

Frequently Asked Questions

Cell phone protection3

Receive up to $600 of replacement or repair costs if your cell phone is stolen or damaged. $50 deductible applies. Up to 2 claims, per eligible account, per twelve-month period. Covers up to four phones on cell phone bill. (Cell phone bill must be paid using Benefits Checking or with your RCU credit card.)

Frequently Asked Questions

Roadside assistance3

Travel with confidence with 24-hour coverage for roadside assistance services including vehicle towing, fuel/oil/fluid/water delivery, and battery/lock-out/tire assistance up to $100 per occurrence. Maximum of two occurrences per twelve-month period.

Frequently Asked Questions

Travel & leisure discounts

Enjoy money-saving discounts from thousands of local and national businesses. Digital access makes saving super easy and convenient, giving instant savings anywhere, and anytime.

View Full Benefit Details

Secure your finances and enjoy peace of mind

With unmatched security and smart savings, Benefits Checking makes it easy to better protect your most important asset—yourself.

  • *Registration/activation required

    1Benefits are available to personal checking accounts and the primary accountholder and joint accountholder(s) subject to the terms and conditions for the applicable benefits or as set forth in the Benefits Checking Terms of Service. 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. Minimum balance required to open a Benefits Checking Account is $25.00. Benefits may be accessed within RCU’s Digital Banking platform. Some Benefits require authentication, registration and/or activation. Certain restrictions may apply.

    2Credit Score is a VantageScore 3.0 based on single bureau credit data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. 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.

    3Special 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 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; not a deposit of or guaranteed by the credit union or any credit union affiliate.

    4Available for the accountholder and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is not insurance.

IDProtect® benefits

 

Credit report and score*

Access your credit report and score and receive valuable insights with the credit score tracker. Use the credit score simulator to see how different actions will impact your Vantage Score. (Registration/activation required)

Credit file monitoring

Daily credit file monitoring and automated alerts of key changes to your credit report. (Registration/activation required)

Comprehensive identity theft resolution services

Access to a dedicated fraud specialist assigned to manage your case until your identity is restored.

Identity monitoring

Monitoring of more than 1,000 databases and public records to identity suspicious activity, including credit header information, phone records, United States Postal Service records, and more. A risk rating is generated with each monthly scan and if your scan reflects a high-risk score, you will be notified. (Registration/activation required)

Cyber recovery

Access to a dedicated cyber advocate to assist with cyber issues such as ransomware, extortion, cyberbullying, phishing, virus or malicious software removal, social media cleanup, data restoration, and more.

Up to $25,000 identity theft expense reimbursement**

To cover expenses associated with restoring your identity, such as reimbursement for costs associated with attorney fees, loan application fees, long distance calls, certified mail and notarized fraud documents, medical record costs, costs for daycare and elder care, travel and accommodations, as well as coverage for wages lost for time taken off work to correct personal records.

Dark web monitoring

Monitor your personal information on the dark web and receive alerts when your personal information is exposed. (Activation required)

Disclosures

*Credit Score is a VantageScore 3.0 based on single bureau credit data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. 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.

**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 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; not a deposit of or guaranteed by the credit union or any credit union affiliate.

IDProtect® FAQs

 

Identity theft recovery services

  • If you become a victim or suspect you might be a victim of identity theft for any reason, we are here to help. Professional, dedicated fraud specialists are standing by and will assist you throughout the fraud resolution process. They will provide you with confirmation of your return to pre-identity theft status and will provide post-recovery follow-up for 12 months.

  • No, this benefit is automatically available to you with your Benefits Checking account.

  • An identity theft incident occurs when an unauthorized person uses your personal information to commit fraud. Your personal information includes your name in combination with your Social Security number, account numbers, date of birth, address, email address and state or federal issued ID such as a driver’s license or passport. Types of identity theft may include account fraud, credit/debit card fraud, tax fraud, employment fraud, government documents and benefits fraud, medical fraud, and more.

  • If you see unfamiliar transactions on your credit card or bank account, you receive statements in the mail from a creditor you don’t recognize, or you find notations on your credit file for debts you did not incur, you may be a victim of identity theft. If you suspect that someone might be using your identity information, it’s always wise to check it out. If it’s a false alarm it will give you peace of mind knowing that your identity is secure. As an eligible Benefits Checking account holder, you can take advantage of our team of dedicated fraud specialists standing by to help.

  • No, if you are an eligible Benefits Checking accountholder and you suspect identity theft for any reason, a dedicated fraud specialist is available to you by calling 1(866) 210-0361, Monday – Friday, 5:30 a.m. – 4 p.m. PST. A dedicated fraud specialist can help to determine if you are a victim of identity theft and if you are not, they can put your mind at ease.

  • As a victim, you will have access to the Resolution Care Center portal where you will create an account and will be able to request a single-bureau credit report. Your personal fraud specialist will keep you informed with case status updates through personal email and phone as well as messages through your Resolution Care Center account.

  • All of our fraud specialists are based in the United States and have the following qualifications and certifications:

    • Fair Credit Reporting Act & Fair and Accurate Credit Transactions Act (FCRA & FACTA) Certified
    • Licensed Private Investigators
    • Certified Identity Theft Risk Management Specialists (CITRMS XV)
    • Certified Identity Protection Advisor (CIPA)
    • HIPAA Awareness for Business Associates Certification

Dark web monitoring

  • The dark web is a repository for criminal activity and a marketplace where identities and personal information are traded and sold illegally.

  • An email alert (and text if activated by you) notification is generated when exposed information found on the dark web matches the information provided by you. You will need to view the alert and let us know if you recognize the alert. If you do not recognize it, a resolution specialist will reach out to provide assistance.

  • An alert contains breach-related specific details such as the date compromised, where the information was found, compromised fields and the source of the breach. Most importantly, if you do not recognize the details in the alert, reach out to a resolution specialist.

Telehealth services FAQs

 

  • You can use telehealth for any non-emergency primary care need that you might see your general physician or an urgent care clinic to treat. You also have access to licensed Mental Health Therapists and Counselors.

  • Benefits are available for the primary accountholder and their joint accountholder(s) through their own account and their family members. Family members include spouse/domestic partner and up to six (6) dependent children aged 2 and older.

  • Telehealth services are complimentary. However, the costs for any prescriptions, lab work or referrals to doctors outside of this service, if deemed applicable, are not covered.

  • No, you can schedule as many appointments as necessary.

  • Yes, prescriptions can be prescribed via a video session and sent directly to your pharmacy.

  • Yes, you can access a free prescription discount card on the telehealth portal. Discounts may vary. This is a prescription discount program and is not considered insurance.

  • Simply log in to the telehealth portal and click on “Add a Family Member”.

  • Nationwide coverage is available in both English and Spanish.

  • Telehealth services are provided by Doctegrity®.

Travel & leisure

 

What does this benefit provide?

This benefit provides travel and shopping discounts year-round! Save at thousands of restaurants (fine & casual dining, fast food & carryout), activities & attractions, as well as discounts from local merchants in your hometown. Save on hotels, car rentals, and travel plans. Redeem and print coupons online or access discounts from your smartphone. Digital access makes saving super easy and convenient, giving instant savings anywhere, and anytime. (Registration/activation required; available via mobile or web only)

Roadside assistance* FAQs

 

  • This benefit provides 24-hour coverage for roadside assistance services including vehicle towing, fuel/oil/fluid/water delivery, and battery/lock-out/tire assistance up to $100 per occurrence. Maximum of two occurrences per 12-month period.

  • The benefit provides up to $100 toward your service. Members are responsible for any expense in excess of $100 as well as the cost of any emergency fuel or other fluid at the time of service.

  • No, you would need to use the service provider sent through your Benefits Checking benefit.

  • Any vehicle owned by the Member can obtain the service but only two occurrences per account are available in a 12-month period.

  • Log in to RCU digital banking, select your Benefits Checking account, select Access Benefits and find your Roadside Assistance benefit under the Travel & Leisure tab. Select Access Benefit and call the phone number provided and reference the access code.

  • Service is available in all fifty (50) United States plus the District of Columbia, Canada and Puerto Rico.

Disclosures

*Please refer to the Guide to Benefit for complete details of coverage and exclusions.

Cell phone protection* FAQs

 

  • Cellular Telephone Protection provides coverage up to $600 per claim twice per 12-month period for repairs or replacement due to accidental damage, theft, or loss. Cellular Telephone Protection is subject to a fifty-dollar ($50.00) deductible per claim. The maximum benefit limit is $600 per claim and $1,200 per 12-month period.

  • Benefits are available for the primary accountholder and their joint accountholder(s) through their account subject to the terms and conditions set forth in the Guide to Benefit

  • This benefit covers up to 4 phones listed on your cellular provider’s monthly billing statement. Your cell phone bill must be paid for using your Benefits Checking account or your RCU credit card.

  • No, this benefit is automatically available to you with your Benefits Checking account.

  • A Member’s cell phone bill must be paid through an RCU account the month prior to the damage or theft for the claim to be eligible.

  • Yes. Phones purchased from any retailer are covered if the number is listed on your cellular provider’s monthly billing statement and you pay your bill with your Benefits Checking account or your RCU credit card.

  • Log into your Benefits Checking portal through digital banking and go to your Cellular Telephone Coverage page to file a claim within sixty (60) days of damage or theft.

  • The following will be required:

    • A copy of your RCU account or credit card statement showing your cell phone payment for the month immediately preceding the time the damage or theft occurred.
    • A repair receipt or repair estimate documenting the damage to your phone and the costs for repair or replacement.
    • For theft claims, you will also need to provide a copy of the police report. The police report must be filed within 48 hours of the incident.

  • Yes, you can move forward with repairs or replacement, or you can wait until after your claim is filed and reimbursement is received. But remember to submit your claim within 60 days of the incident and keep your receipt and the description of the damage to your phone provided by the repair facility – as a part of the claim process, you will need to submit your receipt and damage description for reimbursement.

  • Once all required documentation for your claim has been received, you should receive reimbursement from the Benefit Administrator within 5 to 10 business days.

Disclosures

*Please refer to the Guide to Benefit for complete details of coverage and exclusions.

Access Your Benefits

 
Access your benefits through digital banking by selecting your Benefits Checking account and then selecting “Access Benefits.”

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Eligible Members without digital banking access:

Should you have questions related to your benefits, you can call the Benefits Service Center at the phone number provided to you when you opened your account.

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Eligibility

You can become a Member of RCU if you meet any of the following criteria:

  • You live, work or own a business in the counties of Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Solano, or Contra Costa.
  • You are an immediate family member of a current RCU Member.
  • You work for a designated Select Employer Group.

PPP Forgiveness Application Deadline

Congress passed The Economic Aid Act which changed the deferment period from 6 months post covered period to 10 months post covered period. For example, if your covered period ended June 30, 2021, under the new guidelines the earliest your first loan payment wouldn’t be due until April 2022, and you have until then to request forgiveness. Please use the following calculation to help you identify when your forgiveness will be due:

  • PPP borrowers may select a covered period anywhere from 8 weeks to 24 weeks.
  • RCU is automatically calculating your loan due date based on a 24-week covered period, if you intend on using a shorter covered period please inform us immediately as this will impact your due date.
  • Your correct deadline will be reflected in your online banking account.

If all or part of your PPP loan is not forgiven, your first loan payment will be due the first of the following month after a decision is made by the SBA.

 

 

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