Checking with Extra Personal Security

If you want added security with your checking account and the freedom to shop great savings and discounts, Secure Checking may be just what you need. And of course you’ll get to enjoy benefits like unlimited check writing, access to First Service Digital Banking and free eStatements when you sign up to receive your monthly statement electronically.

Secure Checking Features

    Low Monthly Fee

    Pay just $5 a month for a checking account with a wide array of benefits.

    No Minimum Balance

    Open your account with just $1 and enjoy no minimum balance requirement.

    IDProtect®

    Protect yourself and other account holders from identity fraud.122

    Cell Phone Protection

    Receive up to $300 of replacement or repair costs if your phone is stolen or damaged.123

    Accidental Death & Dismemberment

    Receive up to $10,000 of Accidental Death & Dismemberment coverage.124

    $hopping Rewards™

    Gain access to exclusive offers at thousands of online retailers.

    Travel & Leisure Discounts

    Redeem coupons for discounts on hotels, restaurants, rental cars, sporting events, and more.

    Family Health Discounts

    Enjoy savings on vision, prescriptions, and dental services.

    Debit Advantage®

    Receive protection for purchases for 90 days against accidental breakage, fire, or theft.

Secure Checking FAQs

IDProtect® is an identity theft monitoring and resolution service122 that protects you, your joint account holders, and eligible family members from any identity fraud event anywhere in the world. It includes the following benefits:

  • Identity Theft Expense Reimbursement123 : Receive up to $10,000 to help cover expenses associated with restoring your identity, such as attorney fees, loan application fees, long-distance calls, medical records costs, travel and accommodations, lost wages for time taken off work, and more.
  • Credit File Monitoring125 : Receive daily credit file monitoring and automated alerts of key changes to your Experian, Equifax, and TransUnion credit reports.
  • Credit Report and Score: Gain access to credit reports and credit scores. Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different type of credit score to assess your creditworthiness.  
  • Debit and Credit Card Registration: Register your credit, debit, and ATM cards and enjoy peace of mind knowing you can call one toll-free number to cancel and/or request replacement cards if your cards become lost or stolen.
  • Identity Monitoring: Benefit from monitoring of more than 1,000 databases and public records to identify suspicious activity. A risk rating is generated with each monthly scan, and if your scan reflects a high-risk score, you will be notififed.
  • Dedicated Fraud Specialist: Communicate with a dedicated fraud specialist assigned to manage your case and help you every step of the way until your identity is restored.
  • Online Resources: Get advice on how to protect yourself from identity theft and access valuable educational resources and news related to identify fraud and credit.
  1. Register online to access exclusive offers and discounts at thousands of online retailers.
  2. Shop online using your customized shopping portal and receive cash back.
  3. Choose to keep your cash back in our $hopping Rewards account for use toward future purhcases or have your cash back sent to you as a check

You can receive up to $300 of replacement or repair costs if your cell phone is stolen or damaged anywhere in the world. A $50 deductible applies, and you can only have up to two claims per 12-month period. This protection covers up to three phones on one cell bill, and you must use your Secure Checking account to pay the bill.

For all items purchased entirely with your Secure Checking account, you will receive the following coverage:

  • Buyers Protection123: Covers items for 90 days from the date of purchase against accidental breakage, fire, or theft.
  • Extended Warranty123: Extends the U.S. manufacturer’s original written warranty for up to one full year on most new retail purchases if the warranty is less than five years.

Overdraft Protection

We know things don’t always go as planned. That's why your account gives you two ways to help you avoid overdrafts. You can create an extra line of defense for your account, by linking it to a savings account or line of credit.7  Plus, you can receive additional coverage with Courtesy Pay.8  If you accidentally overdraw your account, our range of overdraft protections options will have you covered.

Financial Resources for All Life's Adventures

No matter what stage in life you’re in, we’ve got you covered with articles, tips and financial advice to help you achieve your goals.

Step One

Starting Out

Lay a solid foundation with basic financial advice on budgeting, debt management, buying your first home, and more.

Step Two

Family Life

Tackle life as a team and win big with tips for maintaining your home, preparing for a baby, and more.

Step Three

Planning for the Future

Plan for all of your goals with advice on saving for the future, making the most of your retirement, and planning your legacy.