Your NCCYou Checking

Whether you’re saving for a dream vacation, budgeting for everyday expenses, or planning for the future, our Basic Checking Account and ID Guard Checking provide the flexibility you need.

Peace of mind. It’s one of the most important benefits a financial institution can provide. With unrivaled security and smart savings, it’s simple! With our ID Guard Checking it’s easier to protect your finances and enjoy your life. That’s something you can count on.

Plan Benefits

• No minimum balance
• Complimentary ATM/Debit Card
• Complimentary Online Banking and Bill Pay
• Complimentary Mobile Banking/Remote Deposit Capture

Feel Confident with IDProtect®
You can rest easy knowing that IDProtect, our identity theft monitoring and resolution service [1] can help better protect your identity.

• Identity Theft Expense Reimbursement Coverage [2]
  Receive up to $10,000 to help pay expenses, clear your name and restore your identity, should you become the victim of identity fraud.
• Comprehensive Identity Theft Resolution Services
  Access to a dedicated fraud specialist assigned to manage your case until your identity is restored.
• Credit File Monitoring
  Daily credit file monitoring and automated alerts of key changes to your credit report. (registration/activation required)
• Credit Report and Score [3]
  Access to credit report and credit scores. (registration/activation required)
• Credit Score Tracker
  Receive valuable insight into your credit score.[3][4]  Credit Score Tracker plots your credit score on a chart so that you can easily see changes over time, along with score factors that provide insight into what events may have caused your credit score to change at a certain point in time.

Your Credit Score Tracker includes the following:

• • An intuitive graph that displays the change in your credit score over time, giving you information on your financial health.
  • A method to easily track your credit score changes for ongoing insight to help you avoid surprises.
  • The ability to view your credit score easily on a regular basis, without having to pull a full credit report.

• 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 should your cards become lost or stolen. (registration/activation required)

• Identity Monitoring
  Monitoring of over 1,000 databases (registration/activation required)

All for a $2.95 monthly service fee.

Learn more at IDGuard.clubchecking.com

_{[1] 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 authentication, registration, and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students.}

_{[2] 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.}

_{[3] You will have access to your credit report and score provided your information has been verified by the CRA. Credit score is a VantageScore 3.0 based on Experian data. Third parties may use a different type of credit score to assess your creditworthiness.}

_{[4] Credit Score Tracker: Once credit file monitoring has been activated and you have requested your first credit score, you may request a new credit score each month to be plotted on your Credit Score Tracker graph. Monthly email notifications will be sent to let you know when your new score is available.}