Worry-Free Checking

This account works to protect you. For a low monthly service fee of $3.95, the Worry-Free Checking has the following features:
 

  • No minimum balance
  • Free Visa® debit card
  • Free online and mobile banking
  • Free online Bill Pay
  • Free access to the nationwide CO-OP ATM and Shared Branching network
  • IDProtect® – Identity Theft Protection Service

 

IDProtect®

This service provides protection for you, joint account holders, your spouse, dependent children up to age 25, and parents living in the same household as the account owner, for any identity fraud event, financial or otherwise, anywhere in the world even if the event has nothing to do with your account at Guadalupe Credit Union.
 
The following services include:

  • Credit monitoring
  • Total identity monitoring
  • 3-in-1 credit report
  • Credit score
  • Up to $10,000 identity fraud expense reimbursement coverage*
  • Fully managed Identity Theft Resolution Services and Personal Information Management Program
  • Access to a dedicated fraud specialist
  • Identity theft recovery case plan
  • Debit and credit card registration
  • Online identity theft news center and valuable phone/web resources

 

Worry-Free Checking Plus

Recieve all of the benefits of Worry-Free Checking, PLUS these additional benefits for a low monthly service fee of $5.95:
 

  • Cellular Telephone Protection: Receive up to $300 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. (Cellular telephone bill must be paid through this account)
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  • Debit Advantage™ Buyer’s Protection & Extended Warranty Buyer’s Protection: Covers items for ninety days from the date of purchase against accidental breakage, fire, or theft. Extended Warranty 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 the eligible account.)
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  • Accidental Death & Dismemberment Insurance: Receive up to $10,000 24-hour Accidental Death & Dismemberment Insurance. (Coverage divides equally on joint accounts and reduces 50% at age 70).
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  • Health Discount Savings: Enjoy savings on vision, prescriptions and dental services. (Registration/activation required.) This is NOT insurance.
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  • $hopping Rewards™: Receiving Shopping Rewards is simple! As a member, you have access to exclusive offers and discounts at thousands of leading online retailers. Simply shop online using our customized shopping portal and receive cash back. Your cash back will be held in your Shopping Rewards account to use towards future purchases or conveniently sent to you as a check. Yes, it’s that easy! (Registration/activation required.)
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  • Travel and Leisure Discount Membership: Money-saving discounts from thousands of local and national businesses. Members can redeem and print coupons online or access discounts from their smartphone. Digital Access makes saving super easy and convenient, giving instant savings anywhere, and anytime. (Registration/activation required.)

 

Worry-Free Checking Worry-Free Checking Plus
Ideal for Members who want an additional layer of protection. Members who want an additional layer of protection, plus extra rewards benefits.
VISA® debit card
Use anywhere VISA® is accepted and at over 30,000 fee-free ATMs nationwide
Unlimited check writing
Minimum balance None None
Free online Home Banking
Free eStatements
Electronic Bill Pay Free with eStatements enrollment and at least quarterly use, or $8.00/month Free with eStatements enrollment and at least quarterly use, or $8.00/month
Earns dividends
See rates >>
No No
Conditions & Fees Monthly fee of $3.95 which includes IDProtect® services* Monthly fee of $5.95 which includes IDProtect® services and rewards*

 

*Insurance product is not a deposit; not an obligation of credit union; and not guaranteed by credit union or any affiliated entity. Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group Inc. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.
 
*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 Guide to Benefit for complete details of coverage.
 
*IDProtect service is a personal identity theft protection service available to account owner(s) and their family. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) who are residents of the same household. IDProtect benefits are available to joint account holders (unless otherwise noted). Benefits are not available to a “signer” or “beneficiary” of the account who is not an account owner. Service is not available to businesses and their employees, clubs and/or churches and their members, schools and their employees/students.