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Get More Value With Your Checking

Smarter Checking, Smart Checking and Fresh Start Checking provide extraordinary checking benefits PLUS extras that give you protection and peace of mind.

Check out this list of extra features included with these accounts.

  • Fully Managed Identity Theft Recovery
  • Identity Theft Expense Reimbursement Insurance - up to $25,000
  • Credit Monitoring and Alerts
  • Access to Free Credit Reports and Scores
  • Dark Web Monitoring with Alerts
  • Solicitation Reduction
  • IP Address Monitoring
  • Social Media Monitoring
  • High Risk Transactions Monitoring
  • IRS Tax Fraud Refund Advance
  • Credit Freeze Assistance

AND Smarter Checking includes Mobile Phone Insurance that covers damages, malfunction, and theft.

"One Identity is Stolen Every Two Seconds.
It's Time to Protect Yours."


You Are Already Protected

McCoy Federal Credit Union has partnered with NXG Strategies to bring you the next generation in checking account benefits to protect you and your lifestyle, all as part of your Smarter Checking, Smart Checking, or Fresh Start Checking account!

  • nxg|PROTECT
    Monitoring and Alerts

  • Entitlement to receive email and text message alerts of critical transactions and suspicious activity to spot identity theft early.
  •   Credit monitoring plus continuous scanning of the deep and dark web using sophisticated technology and human spies
  •   Monitors for stolen email/user names and other registered credentials
  •   Alerts include new activity on your credit file and suspicious activity found on the dark web
  • nxg|PROTECT
    Identity Theft Recovery

  • Access to an identity theft Advocate means peace of mind knowing a professional is standing by for you.
  •   Your Advocate will manage your identity theft incident to resolve suspected or confirmed fraud
  •   Also includes identity theft insurance up to $25,000 for expenses incurred in recovery
  •   Protection extends to three generations of your family members

Go to mccoy.nxgstrategies.com to learn about these and MORE exciting features, including all of the important terms and conditions.


  • More for Your Mobile!

  • Smarter Checking accounts include nxg|MOBILE, so you don’t ever need to be without your mobile phone again.
  •   Covers accidental damage such as cracked screens and liquid spills, plus mechanical failure and theft
  •   Extends to all phones owned by the primary account holder
  •   Pays up to $500 per claim minus a $50 deductible and up to two claims per 12 month period
  •   Covers new and used devices with no pre-registration required



  • Note: Other terms and conditions apply. Some features require activation.
  • See mccoy.nxgstrategies.com for details and disclosures or call your local branch office of McCoy Federal Credit Union.