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Power Up

Enhance Your Banking Experience

Unlock exclusive perks with our Power Up features, designed to enhance your account. Elevate your financial security and enjoy a suite of premium benefits that provide peace of mind.

Start Earning Daily Cash Back and Power Up Today!1

Open an Account

Power Up Features

Take your banking experience to the next level with our premium Power Up features.2 For a $9 monthly fee, you can help protect and enhance your financial life!3

  • Cell Phone Protection4

    • Covers up to four phones listed on the cell phone bill
    • Covers damage or theft
    • Up to two claims and maximum of $1,000 per eligible account, per twelve-month period
    • Up to $800 per claim
    • $50 deductible per claim
    • Cell phone bill must be paid through a First Service Credit Union checking, savings, or credit card account

  • Identity Theft Protection3

    • Identity Theft Expense Reimbursement Up to $1,000,000 to cover expenses associated with restoring your identity4
    • Access to your credit report and credit scores with valuable insights
    • Monitoring of more than 1,000 databases and public records and the dark web to identify suspicious activity with your personal information.
    • And more!

  • Telehealth5

    • Access to 24/7 video or phone visits with U.S.-based board-certified, licensed and credentialed doctors
    • Urgent care or mental health for you and your family
    • Zero copays, no surprise bills, plus discounts on prescriptions and lab work

  • Fuel Savings6

    • Join the Fuel Rewards® program and save 5¢/gal at participating Shell stations nationwide
    • Save even more when you link a debit or credit card to your Fuel Rewards® account to earn discounts on fill-ups from everyday purchases
    • See your savings instantly at the pump, and keep track of everything with the Fuel Rewards® app

  • Roadside Assistance4

    • 24/7 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

  • Travel and Leisure Discounts

    • Redeem and print coupons online
    • Access discounts from a mobile device
    • Local and national discounts on hotels, restaurants, rental cars, auto care, museums, sporting events, salon services and more

  • $hopping Rewards™

    • Access to exclusive offers and discounts at thousands of leading online retailers
    • Shop online using our customized shopping portal and receive cash back
    • Cash back can be held in your $hopping Rewards account to use towards future purchases - or conveniently sent to you as a check
    • (registration/activation required; available via mobile and web only)

  • Debit Advantage®

    • Buyers Protection4 covers items for 90 days from the date of purchase against accidental breakage, fire or theft.
    • Extended Warranty4 extends the U.S. manufacturer’s original written warranty up to one full year on most new retail purchases if the warranty is less than five years.
    • (Item(s) must be purchased entirely with a First Service Credit Union credit card, checking, or savings account.)

  • Health Discounts Savings

    • Vision – exams, glasses, contact lenses, etc.
    • Prescriptions
    • Dental
    • This is NOT insurance (registration/activation required)

  • Accidental Death & Dismemberment Coverage4

    • Financial protection in the event of an accidental death or severe injury
    • Up to $10,000 in coverage

Why Power Up?

In today's world, safeguarding your assets and ensuring your financial well-being is more important than ever. Our Power Up features offer an array of valuable services that go beyond the basics of traditional banking. When you Power Up, you and the loved ones on your account will be empowered with the security and convenience you need, allowing you to focus on what truly matters. Want to get more from your money?

Get the Details on Daily Cash Back Checking

Ready to Power Up?

Log into Digital Banking to activate, or speak with a credit union representative.

713-676-7777
MemberAdvisors@FSCU.com
Log In

Power Up FAQs

You can receive up to $800 in coverage for cell phone repairs or replacements, covering up to four phones. A deductible of $50 applies. 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 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 Reimbursement: Receive up to $1,000,000 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.
  • 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 Experian, Equifax, and TransUnion 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.
  • 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.
After opting in to the Power Up benefits you will have access 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 as a check.
For all items purchased entirely with your First Service Credit Union debit card, 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.
Yes! The benefits you are accustomed to will be significantly enhanced and will now be offered as part of the Power Up program. As a valued existing Secure Checking account holder, you will be able to enjoy the new Power Up program for just $5 per month for the first year7, mirroring your current monthly fee for Secure Checking.
[1]
You may earn Daily Cash Back Account rewards of 0.15% on qualifying purchases using your Daily Cash Back Account debit card. The cash reward earned is calculated and posted to the account of your choice daily. Qualifying debit card purchases include point-of-sale purchases and online purchases made with any debit card linked to your account. Debit card transactions that are not eligible for Daily Cash Back Account rewards include: transactions conducted at an ATM, peer-to-peer (P2P) payments, any cash portion of a point-of-sale purchase, loan payments or account funding made with a debit card. Courtesy Pay funds are not eligible to earn rewards. There is no maximum cash back reward amount. Refunds processed will result in a reduction of the daily cash back amount equal to the daily cash back earned for that specific transaction. If the account is closed for any reason, any cash back earned on the day of account closure will be forfeited. Program may be subject to change.
[2]
There is a $9 monthly service charge to Power Up your account.
[3]
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 eligibility, authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner. Business and organization accounts are not eligible to Power Up.
[4]
Special 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. Insurance Products are not insured by the NCUA or any Federal Government Agency; Not a deposit of or guaranteed by the credit union or any credit union affiliate.
[5]
Available for the account holder and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is not insurance. Program may be subject to change. Registration/activation required.
[6]
Restrictions apply. See First Service Credit Union online banking or mobile app for details.
[7]
$5 per month special offer only available for First Service members with an active Secure Checking Account as of June 30, 2024. After July 1, 2025, the cost will renew at $9 per month or the current cost of the Power Up program at that time. If you choose to power down your account, any future Power Up activation will also be at $9 per month or the current cost of the Power Up program at that time.