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


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
Ideal for Members who want an additional layer of protection.
VISA® debit card
Use anywhere VISA® is accepted and at over 30,000 fee-free ATMs nationwide
Unlimited check writing
Minimum balance None
Free online Home Banking
Free eStatements
Electronic Bill Pay Free with eStatements enrollment and at least quarterly use, or $8.00/month
Earns dividends
See rates >>
Conditions & Fees Monthly fee of $3.95 which includes IDProtect® services*


*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. 

*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.