Checking

HFCU’s 360 Secure Checking has many value-added benefits and features that will enhance your financial and personal well-being, and only for a monthly service charge of $6.00!*

★ In addition to these value-added benefits, members do not have to wait until pay day, and can receive their money up to two days earlier with HFCU’s Direct Deposit.

Value-Added Benefits

	IDProtect® Identity Theft Monitoring and Resolution Service¹ – Help better protect yourself and your joint account owners with our identity theft monitoring and resolution service that includes credit file monitoring, access to credit report and scores², monitoring of over 1,000 public databases, identity theft expense reimbursement, fully managed resolution services, and more.
	Cellular Telephone Protection³ – Receive up to $800 of replacement or repair costs if your cell phone is stolen or damaged. Up to two claims and maximum of $1,000 per eligible account, per twelve-month period. Covers up to four phones on a cellular telephone bill. (Cellular telephone bill must be paid using your 360 Secure Checking account or other HFCU checking, savings or credit card account.)
	Telehealth⁴ – Access to 24/7 video or phone visits with U.S.-based board-certified, licensed and credentialed doctors ready to help with urgent care or mental health for you and your family — all with zero copays. (registration/activation required)
	Roadside Assistance Service³ – 24-hour coverage for roadside assistance services, including lock-out, tire and battery assistance, vehicle towing, fuel, oil, fluid and water delivery, up to $100 per occurrence. Maximum of two occurrences per twelve month period.
	Fuel Savings⁵ – Register for the Fuel Rewards® program and save 5¢/gal on every fill-up at participating Shell stations with Extended Gold Status. Simply enter your phone number or Alt ID at the pump to see the savings instantly.
	RideShare Protection³ – Up to $100,000 of accidental death and dismemberment coverage and $10,000 of accident medical expense benefit if injured while traveling in a vehicle operated by a Transportation Network Company, as defined in the insurance certificate. Coverage also includes up to $250 personal property benefits for replacement of property stolen, damaged, or destroyed due to an accident while traveling in a vehicle operated by a Transportation Network Company. Not Available to Residents of MO, NY and WA. (Travel costs for rideshare must be paid for using your 360 Secure Checking account or a credit card issued by HFCU.)
	Travel and Leisure Discounts⁶ – Money-saving discounts from thousands of local and national businesses – redeem and print coupons online or access discounts from a mobile device. (available via mobile or web only)

☑ Standard Features
✓ Visa® Debit Card and Card Fraud Protection Service
✓ Online Bill Pay⁷, Online and Mobile Banking⁸, and Remote Deposit Anywhere⁸
✓ CO-OP Shared Branch and ATM Network
✓ Statements – Electronic⁹
✓ Overdraft Protection Available
✓ Direct Deposit
✓ Dividends¹⁰
✓ Zelle®

Rates Below Effective: October 1, 2024 and are Payable November 1, 2024

360 Secure Checking Rate

Type	Dividend Rate	APY*
360 Secure Checking	0.05%	0.05%

*APY=Annual Percentage Yield. Credit Union membership is required before utilizing any product and/or service by establishing a savings account with $5. Must be eligible for membership. Checking account requires a minimum opening deposit of $25.Other terms and conditions may apply. HFCU 360 Secure Checking has a monthly service charge of $6. Estimated value is based on approximate monthly costs or savings for similar marketplace benefits and are subject to change. Benefits and features may vary and may not necessarily reflect the exact features offered through 360 Secure Checking. No cash value is implied with the use of this account or any of its features.

¹Benefits are available to personal checking accounts and their primary account owner and joint account owner(s) subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents 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.

²You 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 TransUnion data. Third parties may use a different type of credit score to assess your creditworthiness.

³Special 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.
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.

⁴Available for the account holder and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is not insurance.

⁵Restrictions apply.

⁶Discount offer may vary depending on the provider.

⁷Bill pay is free provided the service is used at least once every three months; otherwise a $3.00 monthly fee (subject to change) may be assessed.

⁸Must have compatible device to use online banking or mobile application. Mobile App Requires iPhone® with iOS 16.0 or above. Requires Android 12.0 or above. Standard rates and fees may apply from your wireless carrier. For Remote Deposit Anywhere, all funds may not be immediately available after the deposit is made.

⁹Paper Statements available – $3.00. Age 65+ No Charge for Paper Statements.

¹⁰Dividend rates are subject to change monthly. Fees and other conditions could reduce the earnings on the account.