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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.

Savings. Security. Convenience.

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

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.

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)

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.)

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.

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.

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.

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