Yes, there is a service charge of $6.99 per month or $79.99 per year.
Each time you use your debit card in person, with a digital wallet (Apple Pay / Google Pay), or when shopping online, you will earn 0.15% in cash back. At 11:59 PM each day, you will receive a deposit for any cash back you earned that day, rounded up to the nearest penny.1
Cash withdrawals and electronic transfers will not earn cash back.
Yes, any debit card tied to your account will earn cash back.
No, there is no limit on how much cash back you earn!
Any cash back you earn each day will automatically be deposited into your Checking Plus Power Up account by default. You can choose to redirect your cash back to a Savings Account (or any eligible account) in Digital Banking.
You can track your cash back earnings in Digital Banking.
You can receive up to $800 in coverage for cell phone repairs or replacements, covering up to four phones. A deductible of $50 applies per claim. You are allowed up to two claims per eligible account every twelve months, provided the cell phone bill is paid through a First Service Credit Union checking, savings, or credit card account.
IDProtect® is an identity theft monitoring and resolution service that helps protect you and your joint account owners from identity fraud event anywhere in the world. It includes the following benefits:
- Identity Theft Expense Reimbursement: Receive up to $1,000,000 to help cover expenses associated with restoring your identity, such as attorney service charges, loan application service charges, long-distance calls, medical records costs, travel and accommodations, lost wages for time taken off work, and more.
- 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.
- 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 notified.
- Daily Credit File Monitoring: Receive daily credit file monitoring and automated alerts of key changes to your credit reports.
- Daily 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.
- Credit Score Tracker: Access to IDProtect® Score Tracker to see changes in your credit score over time.
- Dark Web Monitoring: Monitoring of personal information on the dark web.
- 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.
To file a claim for any of the Power Up insurance benefits, please call 1-866-210-0361.
After signing up for Power Up, you can access all of your benefits in Digital Banking. Simply follow the step-by-step instructions to register and activate your benefits. Call 1-866-210-0361 for questions related to any of the benefits, or for assistance with registration and activation.
You will access $hopping Rewards in the Power Up portal. This includes exclusive offers and discounts at thousands of online retailers and receive cash back when shopping online. You can choose to keep your cash back in our $hopping Rewards account for use toward future purchases or have your cash back sent to you via Paypal or as a check.
For all items purchased entirely with your First Service Credit Union credit card, checking or savings account, you will receive the following coverage:
- Buyers Protection: Covers items for 90 days from the date of purchase against accidental breakage, fire, or theft.
- Extended Warranty: 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.