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Feel Confident with IDProtect

Note: TotalCare checking is no longer available for new account openings as of May 30, 2025

You can rest easy knowing that IDProtect2, our identity theft monitoring and resolution service, can help better protect you and your family’s identities. IDProtect includes:

Identity Theft Expense Reimbursement Coverage1 – Receive up to $10,000 to cover expenses associated with restoring your identity.

Fully Managed Theft Resolution Services – Access to a dedicated fraud specialist assigned to manage your case who will work with you until your identity is restored.

Debit and Credit Card Registration – Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards. (Registration/activation required.)

3-in-1 Credit File Monitoring3 – Daily credit file monitoring and automated alerts of key changes to your Equifax®, Experian® and TransUnion® credit reports. (Registration/activation required.)

3-in-1 Credit Report – ID Protect will monitor your Equifax, Experian and TransUnion credit files daily, and automatically alert you if key changes occur. (Registration/activation required.)

Credit Score – Receive a single bureau credit score with every new credit report. Credit score is a VantageScore 3.0 based on single bureau data. Third parties may use a different type of credit score to assess your creditworthiness (Registration/activation required.

Identity Monitoring – Monitoring of over 1,000 databases and public records to identify suspicious activity, including credit header information, phone records, USPS records and more (Registration/activation required.)

Online Identity Theft News Center and Valuable Phone and Web Resources (Registration/activation required.)

Click here to register/activate benefits reserved just for TotalCare Checking members. Note: Your unique Access Code will be required.

>>> For addition details on this benefit or to file a claim, refer to your IDProtect Guide To Benefits or call the Benefit Administrator at (866) 210-0361.

ID Protection confirmation on Smartphone
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Cellular Telephone Protection1

Cell phones are part of our daily lives. Replacing them if they are stolen or damaged can be costly. As an eligible account holder you can receive up to $300 of Cellular Telephone Coverage to reimburse the cost of replacing or repairing your device. This valuable protection covers you whether you are at home or abroad

Cellular telephone bill must be paid through your TotalCare Checking account.

>>> For addition details on this benefit or to file a claim, refer to your Cellular Telephone Protection Guide To Benefits or call the Benefit Administrator at (866) 210-0361.

Rates, fees and terms as of July 10, 2025 and subject to change without notice

Financial wellness begins and ends with the facts. Here’s what you need to know!
1 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. Cellular telephone bill must be paid through your TotalCare Checking account.
2 IDProtect service is a personal identity theft protection service available to personal checking account owners, their joint account owners and their eligible family members. The service is available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members (service not available to employees or authorized signers who are not owners). Service is not available to a “signer” on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members. For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and their eligible family members (Fiduciary is not covered). Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.
3 Credit file monitoring may take several days to begin following activation.
Insurance products are not insured by NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.
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. Cellular telephone bill must be paid through your TotalCare Checking account.