Choice Checking makes it simple to keep BE SAFER. your family finances safer and take advantage of smart discounts on financial services. SPEND SMARTER. IT’S SIMPLE! Choice Checking 24-hour Accidental Death $hopping RewardsTM & Dismemberment Insurance3 • Access to exclusive offers and discounts at thousands Financial Features • Protection from the unexpected of leading online retailers • Interest on balances of $2,500 and greater • Up to $10,000 AD&D coverage • Shop online using our customized shopping portal and • No minimum balance fee • Visa® Debit Card receive cash back • Access to 30,000 surcharge-free CO-OP ATMs 3 • Free paper statements Cellular Telephone Protection • Cash back will be held in your $hopping Rewards • GetBigReward$ credit; Gold and Emerald account to use toward future purchases - or conveniently members can earn monthly credit to offset fees • Covers up to three phones listed on the cellular sent to you as a check phone bill (Registration/activation required; available online only) A complete suite of electronic services, including: • Covers damage or theft • e-Banking • e-Pay • Up to two claims per year Health Discount Savings • e-Statements • Prescriptions • e-Deposit (once requirements are met) • Up to $300 per claim ($50 deductible per claim) • Mobile app • Vision – exams, glasses, contact lenses, corrective surgeries • Cellular telephone bill must be paid through eligible account IDProtect® • Dental This is NOT insurance. (Registration/activation required) • Identity theft monitoring and protection service for you Debit Advantage® and your family1 3 • Includes Credit File Monitoring2, Credit • Buyer’s Protection covers items for 90 days from the date Report, Identity Theft Expense Reimbursement of purchase against accidental breakage, fire or theft 3 Coverage , and Resolution Service 3 • Extended Warranty extends the U.S. manufacturer’s (See reverse for details) 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 eligible account Travel and Leisure Discounts 1 Benefits are available to personal checking Primary Account Holder, Joint • Redeem and print coupons online Account Holder(s), and their Eligible Family Member(s), subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable Benefits. Family Member(s) include: Spouse, persons qualifying as • Access discounts from your mobile device domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household. For revocable grantor • Local and national discounts such as hotels, restaurants, trusts, Benefits are available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, Benefits are rental cars, museums, florists, sporting events, available to the beneficiary, who must be the Primary Account Holder. dry cleaners, and more Fiduciary is not covered. Benefits are not available for Business accounts. 2 Credit File Monitoring may take several days to begin following activation. 3 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. (Available online only) 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. ® Choice IDProtect helps to better protect you from any identity fraud event, financial or otherwise, anywhere in the world, even if the event has nothing to do with your Checking account at Community Choice Credit Union. Your spouse, persons qualifying as domestic partner, dependent children up to age 25, and parent(s) living in the same Let’s get household as the account owner are included in the coverage. together. Benefits are not available for Business accounts. Fully Managed Recovery Comprehensive Identity Theft Resolution Services- A dedicated fraud specialist assigned to manage your case until your identity is restored. Identity Theft Expense Reimbursement Up to $10,000 Identity Theft Expense Reimbursement1 to cover expenses associated with restoring your identity, such as reimbursement for costs associated with attorney fees, loan application fees, certified mail and notarized fraud documents, medical record costs, daycare and elder care costs, travel and accommodations, as well as coverage for wages lost for time taken off work to correct personal records. (Refer to Guide to Benefit for complete details of coverage.) Monitoring Identity Monitoring – monitoring of more than 1,000 databases and public records to identify suspicious activity, including credit header information, phone records, United States Postal Service records, and more. A risk rating is generated with each monthly scan, and if your scan reflects a high-risk score, you will be notified. Credit File Monitoring2 – daily Credit File Monitoring and automated alerts of key changes to your single bureau credit report. Credit Report and Score – Request a single bureau credit report every six months or upon opening an identity theft resolution case. Request a single bureau score every month. Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different type of credit score to assess your creditworthiness. (Registration/activation required to receive all of these benefits.) 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.) Educational Resources/News Center Get advice on ways to protect yourself from identity theft, read educational tips and access valuable online resources and news related to identity fraud and credit. (Registration/activation required. Available online only.) 1 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. 2 Credit File Monitoring may take several days to begin following activation. 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. 07/20.