Online Banking

Secure Checking with ID Protect®

Protect Your Money. Protect Your Identity.

Worried about identity theft? Secure Checking members aren’t.

Your personal information is out there—would you know if someone was using it? With ID Protect®, you’ll get real-time alerts when changes occur to your identity records or credit reports. For just $2.95 per month, you and your eligible family members can enjoy peace of mind and protection.

Why Choose Secure Checking?

For one low monthly fee, you’ll get powerful protection plus all the benefits of a TopMark checking account:

✔ ID Protect® Identity Theft Monitoring for you and eligible family members
✔ MasterCard® ATM/Debit Card
✔ Free Mobile App & Remote Deposit
✔ Free Online Banking & Bill Pay
✔ Debit/ATM Card App – Instantly turn your card on/off
✔ Fraud Alerts – Real-time debit/ATM notifications
✔ Courtesy Pay & Overdraft Line of Credit
✔ Free MoneyDesktop – Budgeting, expense tracking, and alerts
✔ No Per-Check Fee, No Minimum Balance, No Foreign ATM Fees
✔ Nationwide Access to 5,600 shared branches & 35,000 ATMs

New Features You’ll Love

Mistakes happen—we’ve got your back! We’ll refund overdraft fees up to 3 times a year (up to $30 per mistake).
How to qualify: Use your debit card at least 10 times per month for point-of-sale transactions (PIN transactions do not count).

Bonus Coverage: Mobile Phone Protection*

Cell phones are essential—but replacing them can be expensive. With Cellular Telephone Protection, you’re covered whether at home or abroad.

• Get up to $300 for repair or replacement if your phone is lost or damaged
• Coverage includes the first three (3) phones on your plan
• Simply pay your mobile phone bill with your Secure Checking account to activate coverage

Ready to Secure Your Account?

Enjoy peace of mind and personal protection for only $2.95 per month.

Open Secure Checking Now!  

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Personal Protection and peace of mind with IDProtect®

^* Special Insurance Program Notes: The descriptions herein are summaries only.  They do not include all terms, conditions, and exclusions of the policies described.  Please refer to the actual policies for complete details of coverage and exclusions.  Insurance is offered through the company named on the certificate of insurance. Refer to Insurance Documents for complete details of coverage.  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.

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Detect

1. Credit File Monitoring² – daily credit file monitoring and automated alerts of key changes to your Experian, TransUnion, and Equifax credit reports (registration/activation required)
2. 3-in-1 Credit Report - request a new 3-in-1 report every 90 days or upon receipt of credit alert (registration/activation required)
3. Credit Score - Credit Score – receive a new single bureau credit score with every new credit report (Registration/activation required)
4. Total Identity Monitoring – monitoring of over 1,000 databases (registration/activation required)
5. Online Identity Theft News Center | Valuable Phone and Web Resources  
   (Registration/activation required.)

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Correct

1. 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 - and your liability is limited - should your cards become lost or stolen. (Registration/activation required)
2. Fully Managed Identity Theft Resolution Service – access to a dedicated fraud specialist, assigned to manage your case until your identity is restored.
3. Identity Fraud Expense Reimbursement Coverage³ – for expenses to help clear your name and help repair damaged credit, including attorney fees, long-distance calls, certified mail as well as coverage for lost wages as a result of taking time off from work.

       Receive all of the benefits of our Secure Checking for a $2.95 Monthly Service Fee.

¹ IDProtect service is a personal identity theft protection service available to personal checking account owner(s), 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).   The family includes a spouse, persons qualifying as domestic partners, children under 25 years of age, and parent(s) of the account holder who are residents of the same household.

² Credit file monitoring from Experian and TransUnion will take several days to begin following activation.

³ Special Insurance Program Notes: The descriptions herein are summaries only.  They do not include all terms, conditions, and exclusions of the policies described.  Please refer to the actual policies for complete details of coverage and exclusions.  Insurance is offered through the company named on the certificate of insurance. Refer to Insurance Documents for complete details of coverage.  Insurance products are not insured by FDIC/NCUA or any Federal Government Agency; not a deposit of or guaranteed by the bank/credit union or any bank/credit union affiliate.

IDProtect®

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