Many of us sign up for services to protect ourselves, like roadside assistance, and get savings, like shopping rewards. These are usually offered by different companies, making them cumbersome to track and leaving you with multiple payments to manage month after month. What if you could clean up that clutter and get all those benefits under one affordable account with one simple monthly payment?
With 1st Defense™ checking1, you can! Instead of several subscriptions and monthly fees for individual plans, you get built‑in protection, savings and support—all in one account.
Why a Subscription Detox Matters
We tend to accumulate services over time:
A roadside assistance plan attached to your car insurance.
Cell phone protection that you purchased with the phone.
Identity monitoring from one provider and credit alerts from another.
Health discounts or telehealth plans.
But paying for similar services across multiple providers can be wasteful and confusing. Doing a digital detox for your wallet isn’t about deleting everything—it’s about streamlining what you keep so you pay less for more value.
What Is 1st Defense™ Checking?
1st Defense™ checking is more than just a place that holds your money—it’s a comprehensive checking account that bundles practical protections and money‑saving perks.
For just $6.95/month, you get benefits that many people otherwise pay for separately, including:
Identity Protection: Monitor your credit*, receive alerts when your information appears on the dark web* and work with an expert if identity theft occurs.
Travel and Leisure Discounts: Save on everyday experiences, local attractions and travel with exclusive discounts designed to stretch your budget further. (available via mobile or web only)
$hopping Rewards™: Earn cash back and access special offers when you shop through participating retailers and brands. (available via mobile or web only)
Cell Phone Protection2: Get coverage for damaged or stolen phones, helping you avoid costly repairs or replacements.
Telehealth3 Services and Health Discount Savings4*: From virtual care to prescription savings, get access to health tools and discounts that support you and your family.
24/7 Roadside Assistance2: You’ll have around-the-clock help for things like towing, lockouts and tire repairs.
What This Means for Your Wallet
With all of these features in one account, you:
See all your recurring benefits in one place.
Reduce the number of separate monthly payments and logins you manage.
Save money by eliminating overlapping services.
A little cleanup goes a long way. By consolidating services you already value into one account, 1st Defense™ checking helps you spend less time managing subscriptions and more time enjoying the benefits.
*Registration/activation required.
1Eligibility: 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.
2Special 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. Insurance Products are not insured by the NCUA or any federal government agency; they are not a deposit of or guaranteed by the credit union or any credit union affiliate.
3Available for the account holder and their spouse/domestic partner and up to six (6) dependent children aged 2 and older. This is not insurance.
4This is not insurance.
