Loading…
1st Defense™ checking¹ offers more than just a place to keep your money safe. It brings enhanced online security, tools for financial and physical wellness, saving opportunities and protection for your valuables right to your fingertips. This isn't your average checking account—and that's precisely the point!
Get more from your checking account with benefits designed to bring convenience, security and savings to your everyday life. Explore everything 1st Defense™ Checking¹ has to offer below—all available to you and joint account owners for just $6.95/month.
*Registration/activation required.
¹Eligibility: Benefits are available to personal checking account owner(s) 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.
With 1st Defense™ checking¹, your security, savings and support come together in one account all for one low monthly cost. It’s less hassle, more money in your pocket and true peace of mind.
**Estimated values are based on approximate monthly costs or savings for similar marketplace benefits and are subject to change. Benefits and features may vary and may not necessarily reflect the exact features offered through 1st Defense™ checking. No cash value is implied with the use of this account or any of its features.
From 1st Defense™ checking's added security and savings benefits to the everyday simplicity of our standard checking account, explore our checking accounts to find the perfect fit for you.
For members who want more from their checking account with built-in security, support and savings benefits.
For members looking for a simple, straightforward account.
Features | Standard | 1st Defense ™ |
|---|---|---|
Free Bill Pay | ||
Overdraft Protection | ||
No Minimum | ||
Debit Card | ||
24/7 Money Access | ||
Identity Protection | - | |
Credit File Monitoring* | - | |
24/7 Roadside Assistance2 | - | |
Cell Phone Protection2 | - | |
Travel & Leisure Discounts | - | |
Telehealth3* Services | - | |
Health Discount Savings4* | - | |
$hopping Rewards™* | - | |
Monthly fee | - | $6.95 |
*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.
Whether you need to open a new checking account or upgrade your current one, you’ll enjoy all the benefits of 1st Defense™ checking in just a few easy steps! Follow the instructions to get started in digital banking.
How much does 1st Defense™ checking cost?
It is $6.95 a month for you and all joint account owners. The subscription fee will be taken directly out of the account.
How do I pay the monthly subscription fee?
The subscription fee of $6.95 will be automatically withdrawn from your 1st Defense™ checking account.
Will upgrading my existing checking account to 1st Defense™ checking impact my direct deposits, checks or debit cards?
No, these benefits are added to your existing checking account. Your direct deposits, checks and debit cards will not be impacted.
Can joint account owners access the benefits?
Yes, the benefits are available to the primary and joint accounts owners. Any joint account owners who did not originally open the 1st Defense™ checking account will need to access the registration through online banking or the mobile app. Once registration is complete, the primary and joint account owner(s) will have full access to benefits through the online and mobile banking platforms.
Who do I contact for benefit questions and assistance?
For benefit and account-related questions or assistance, please contact us through our online banking customer service chat, by phone at (800) 237-7288 or by visiting your local branch.
