Benefits
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.
Identity Theft and Credit Tools
Dark Web Monitoring*
Receive alerts when your information appears on the dark web.
Credit File Monitoring*
Stay informed with alerts on credit activity to protect your finances.
Cyber Recover
Connect with a dedicated cyber advocate who will support you though online threats.
Financial Wellness 360°
Get expert financial coaching, interactive courses and tools to maximize your financial well-being.
Identity Theft Expense Reimbursement2
Get reimbursed for expenses related to identity restoration.
Identity Theft Resolution
Work with a dedicated fraud specialist to get help with restoring your identity.
Telehealth and Discounts
Health Discount Savings4*
Save on vision, dental and prescription drug costs.
Telehealth3*
Enjoy 24/7 access to virtual healthcare with no copays or hidden fees.
Travel and Leisure
InstaDeals
Save money with exclusive discounts at local restaurants, businesses and more. Available via web or mobile only.
$hopping Rewards™*
Earn cash back when you shop at your favorite retailers through an online portal.
Roadside Assistance2*
Access 24/7 roadside services, including towing, lockout assistance and tire repairs.
Cell Phone Protection
*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.
MORE VALUE, LOWER COST
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.
Total Estimated Value** of Benefits:
$80.00/month
1st Defense™ Checking:
$6.95/month
**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.
Two Choices. One Standout.
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.
1st Defense™ Checking
For members who want more from their checking account with built-in security, support and savings benefits.
Standard Checking
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.
Get started
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.
COMMON QUESTIONS
It is $6.95 a month for you and all joint account owners. The subscription fee will be taken directly out of the account.
The subscription fee of $6.95 will be automatically withdrawn from your 1st Defense™ checking account.
No, these benefits are added to your existing checking account. Your direct deposits, checks and debit cards will not be impacted.
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.
For benefit questions and assistance, please contact the Benefits Service Center at (866) 210-0361.
Important Note: For account-related questions and assistance, please contact Members 1st directly through our online banking customer service chat, by phone or by visiting your local branch.