Your NCCYou Checking
NCCYou offers Checking Accounts options designed for your safety and convenience.Checking Account Options from NCCYou
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.
Basic Checking Account
Our Basic Checking is a no frills, basic account that is free with enrollment in E statements.
Plan Benefits
- No minimum balance
- Complimentary Online Banking and Bill Pay
- Complimentary Mobile Banking/Remote Deposit Capture
ID Guard Checking Account
Protect your Identity. Protect your money, see how in 30 seconds. Watch Video.
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.
- 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
Safeguard your Checking Account with Courtesy Pay
Courtesy Pay is a benefit to our checking account holders. It safeguards member accounts by preventing transactions or checks from being rejected or returned when funds are insufficient.
If eligible, you will be automatically enrolled after 90 days and will receive a letter from NCCYou. Make sure to read this letter because there are some parts of Courtesy Pay that you must opt-in for!
How to Qualify:
To qualify for Courtesy Pay, you must meet the following requirements:
• You must be at least 18 years of age.
• Your account must be in good standing.
• Your NCCYou loans (if applicable) cannot be past due more than 30 days.
• Your checking account must be open for at least 90 days. If eligible, you will be automatically enrolled after 90 days and will receive a letter from NCCYou. Make sure to read this letter because there are some parts of Courtesy Pay that you must opt-in for!
What's Covered?
What transactions are covered automatically after the 90 days?
• ACH
• NSF Checks
• On-Us Checks
• Recurring debit transactions (this includes recurring transactions you set up on your debit card – not to be confused with one-time POS transactions.)
What Do I Need to Opt-in For?
- Debit card POS (Point of Sale) transactions
- ATM (Automated Teller Machine) transactions
How Do I Opt-Out?
You will need to complete and submit an Opt-Out form. Please note that if you cancel Courtesy Pay and overdraw your account, you will still be charged an overdraft fee as well as fees imposed by merchants and collection agencies in addition to ultimately paying the overdrawn check. You can always opt back in later if you change your mind!
My Courtesy Pay was Cancelled. What Happened?
• Your account balance was negative for 30 days
• You have a bad address that has not been updated
• Your account was deemed to be a potential loss to the credit union
• Your account was closed and sent to collections after it had been negative for 45 days.
Contact us if you'd like to open a Checking Account!
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[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.
