MORE THAN A CHECKING ACCOUNT
Streamline your financial life with our checking accounts offering convenient online bill pay, contactless debit cards, no minimum balance requirements, overdraft protection and 24/7 digital banking access. With a 1st Defense™ checking¹ account, you’ll get all the essentials—plus exclusive benefits that deliver armor for your assets and perks for your people, like:
- Identity Protection
- Travel & Leisure Discounts
- $hopping Rewards™*
- Credit Monitoring*
- Cell Phone Protection²
- Telehealth³ Services & Health Savings*
- 24/7 Roadside Assistance²
ALWAYS ON DUTY
Protecting your money and peace of mind should be easy, no matter what stage in life you’re in. With 1st Defense™ checking, experience an account with enhanced security features and savings opportunities—all accessible to you and any joint account holders for just $6.95 a month!
Cell Phone Protection²
If your cell phone is stolen or damaged, get up to $600 for repairs or replacement, twice a year, with only a $50 deductible.
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Roadside Assistance²
Round-the-clock roadside coverage helps you get back on the road quick with towing, fuel delivery and battery or tire assistance.
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Telehealth³ Services
Get 24/7 video or phone access to doctors for urgent care or mental health support for you and your family—all with zero copays!
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Health Discount Savings
Help stretch your healthcare dollars further with savings on prescription drugs, dental services and vision care at thousands of providers nationwide. This is not insurance.
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Identity Theft Resolution
Speak directly with a dedicated fraud specialist who will work closely with you, offering expert guidance and support every step of the way until your identity is fully restored.
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Identity Theft Expense Reimbursement²
Reimbursement for identity restoration expenses up to $25,000, ensuring you have financial support as you recover from identity theft.
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Dark Web Monitoring*
Receive alerts and notifications when your information is found on the dark web, so you can take action to protect yourself.
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CyberRecover
Connect with a dedicated cyber advocate who can guide you through challenging online threats like ransomware, extortion and cyberbullying—providing personalized support when you need it most.
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Financial Wellness 360°
A financial wellness platform with one-on-one coaching, interactive tools and educational resources to help you maximize your money. Available via web or mobile only.
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Credit Monitoring*
Stay informed about your credit with daily monitoring, personalized alerts, complete report access, historical score tracking and an interactive simulator to help guide your financial decisions.
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$hopping Rewards™*
Shop through an online portal to earn cash back at thousands of top retailers. Pick from two convenient ways to receive your rewards.
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InstaDeals™
Discover exclusive deals with searchable coupons for dining, shopping, entertainment and travel—all tailored to your location! Available via web or mobile only.
Learn More*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, organizations and/or churches and their members or schools and their employees/students.
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.
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.
SAVE MORE WITH 1ST DEFENSE™ CHECKING
Identity Theft Support and Credit Tools
Feel secure 24/7 with multiple Identity Theft Services that vigilantly monitor, proactively prevent and swiftly re-solve potential threats for you and joint account holders.
- Identity Theft Resolution Services
- Up to $25,000 Identity Theft Expense Reimbursement
- Credit File Monitoring
- Credit Report and Score
- Credit Score Tracker
- Credit Score Simulator
- Dark Web Monitoring
- CyberRecover
- Financial Wellness 360°
Health Discount Savings
Stretch your healthcare dollars further with discounts and savings from thousands of providers nationwide.
- Prescription drugs
- Dental services
- Vision care
Travel & Leisure Discounts
Save big with exclusive discounts from thousands of local and national retailers with just a few taps online!
- Cash back rewards
- Travel discounts
Telehealth
Experience healthcare from the comfort of your home with our Telehealth service, offering a range of convenient and affordable medical solutions.
- Access to 24/7 video or phone visits with U.S.-based board-certified, licensed and credentialed doctors
- Zero copays, no surprise bills, plus discounts on prescriptions and lab work
Cell Phone Protection
Safeguard your phone with a comprehensive coverage plan that protect your device from theft and damage.
- Up to $600 limit/$50 deductible
- Maximum payout/claims for stolen and damaged devices
- Up to 2 claims and maximum of $1,000 per account, per 12-month period
- Cell phone bill must be paid using your 1st Defense™ checking account
Roadside Assistance
Round-the-clock coverage helps you get back on the road quickly with a variety of services available for your convenience.
- 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
Checking Account Access
Manage your money your way with flexible, convenient options to fit your lifestyle.
- Contactless Visa® Debit Card
- ATMs across PA
- 24/7 digital banking
- No minimum balance requirement
- Overdraft Protection
- Easily transfer money
MONTHLY VALUE**: $80
FOR 1ST DEFENSE™ CHECKING: $6.95
**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.
GETTING 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.
UPGRADE YOUR CURRENT CHECKING ACCOUNT
1. Log in to online banking and navigate to the checking account you would like to upgrade.
2. Scroll down to the “Additional Actions” section and select the option to upgrade to 1st Defense™ checking.
3. Follow the prompts to finish setting up your account and for more information on activating your benefits.
OPEN A NEW CHECKING ACCOUNT
1. Log in to online banking, click on the menu in the top right corner of the screen and select “Add Product.”
2. Find the “Savings & Checking” section and click "Get Started."
3. Scroll down to "1st Defense™ Checking" and select "Add Now." Follow the prompts to finish setting up your new checking account and to learn more about activating your benefits.
Ready to Fortify Your Finances?
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.