Introducing: 1st Defense™ Checking—Security, Savings, Perks

How would you like to have all of our standard checking account features plus...

• Identity Protection

• Travel & Leisure Discounts

• $hopping Rewards™*

• Cell Phone Protection²

• Telehealth³ Services & Health Savings⁴*

• 24/7 Roadside Assistance²

…for just $6.95 per month? It sounds too good to be true, right? Wrong! It is all included with 1st Defense™ checking¹.

“We didn’t just add these benefits to check boxes,” said Karen Roland, Chief Marketing Officer. “We built this account to reflect the real needs of our members—families, students, professionals, retirees and everyone in between. As fraud continues to rise, protecting our members’ personal and financial information has never been more important.”

Much More than a Checking Account

1st Defense™ checking is designed to help you handle real life—the good, the stressful and the unpredictable:

• Scoring discounts at your favorite local businesses

• Replacing your teen’s phone after it goes missing

• Getting hit with identity theft—and needing support

• Being stranded on the highway

• Needing health advice on a Saturday night

We have you covered! 1st Defense™ checking combines powerful tools with exclusive benefits you’ll actually use—all for one low monthly price. No juggling subscriptions. No third-party logins. No hidden fees. Just real protection, real savings and real simplicity—built right into your checking account. See the chart below for how it compares to a standard checking account.

Always on Duty™

Just like the benefits it delivers, 1st Defense™ checking is ready when you are. Whether you're upgrading your current account or opening a new one, it takes just a few minutes to enroll in online banking or the Members 1st mobile app. Many benefits activate automatically—but some may require a quick one-time enrollment. After that, you're good to go.

_{*Registration/activation required.}

¹_{Eligibility: Benefits are available to personal checking account owners 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, and/or organizations.}

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 through your Members 1st Online Banking or Mobile App.}

³_{Available for the account holder and their spouse/domestic partner and up to six (6) dependent children aged 2 and older. This is not insurance.}

⁴_{This is not insurance.}