Smarter Checking

Smarter Protection at a Smarter Value

Smarter Protection and Benefits

Comprehensive Identity Theft Resolution Services

If you become a victim or suspect you might be a victim of identity theft for any reason, you have access to a dedicated fraud specialist assigned to manage your case until your identity is restored.

Identity Theft Expense Reimbursement Insurance, up to $10,000

This benefit helps cover expenses associated with restoring your identity, such as reimbursement for costs associated with attorney fees, loan application fees, long distance calls, certified mail and notarized fraud documents, medical record costs, costs for daycare and elder care, 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.)

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.(registration/activation required)

Dark Web Monitoring

Monitor your personal information on the dark web and receive alerts when your personal information is exposed online with our Dark Web Monitoring identity theft prevention product, also known as cyber monitoring.(registration/activation required)

CyberRecover

Get 24/7 access to personal cyber advocates who can help defend against extortion, ransomware, online fraud, gaming security risks and more. These experts provide immediate support and guidance helping you navigate and mitigate the impact of cyber incidents. With CyberRecover, feel secure knowing that professional help is always available to protect your online life.(registration/activation required)

Debit Advantage

Buyer’s Protection2 & Extended Warranty2 – Buyer’s Protection covers items for 90 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 eligible account. Guide to Benefit with complete details of coverage and exclusions available online via your myMcCoy online or mobile banking, or at mccoyfcu.enjoymybenefits.com)

Telehealth***

Access to 24/7 video or phone visits with U.S.-based board-certified, licensed and credentialed doctors ready to help with physical and mental health care. There are zero copays, plus discounts on prescriptions and lab work. (registration/activation required)

Health Discount Savings

Enjoy savings on vision, prescriptions and dental services. This is NOT insurance.(registration/activation required)

Roadside Assistance

24-hour coverage for roadside assistance services including vehicle towing, fuel/oil/fluid/water delivery, and battery/lock-out/tire assistance up to $100 per occurrence. Maximum of two occurrences per twelve month period.

Rideshare Protection

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. Travel costs for rideshare must be paid for through eligible checking account or a credit card issued by your financial institution. (Guide to Benefit with complete details of coverage and exclusions available online via your myMcCoy online or mobile banking, or at mccoyfcu.enjoymybenefits.com.)

Travel and Leisure Discount

Money-saving discounts from thousands of local and national businesses. Members can redeem and print coupons online or access discounts from a mobile device. Digital Access makes saving easy and convenient, giving instant savings anywhere, and anytime.(available via mobile and web only)

Movie Tickets

Next time you go to your favorite movie theatre you could enjoy all the fun and save from 10% to 40%. Get your tickets in advance and avoid waiting in line. (registration/activation required)

Cell Phone Protection - up to $800 of replacement/repair costs**

Receive up to $800 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. $50 deductible applies. Up to two claims and maximum of $1,000 per twelve month period. Covers up to four phones on a cellular telephone bill. (Cellular telephone bill must be paid using Smarter Checking account. Guide to Benefit with complete details of coverage and exclusions available online via your myMcCoy online or mobile banking, or at mccoyfcu.enjoymybenefits.com.)

Additional Smarter Values

Visa Debit Rewards – earn points on every purchase redeemable for merchandise, gift cards and travel. Value Unlimited depending on dollars spent on Debit Card
0.50% Discount on Consumer Loans**** - Value hundreds depending on loan amount and approved rate
ATM Surcharge Reimbursement***** - Value $1 to $2 per month
FREE Official Checks/Money Orders - Value $1 per item
FREE Notary Services - Value $5 per service
FREE Draft Stop Payment - Value $25 per stop
FREE Spend-2-Save
FREE Paper Statement Option - Value $3 per month

Open an Account

*Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions 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. **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 teh certificate of insurance. Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guarangeed by the credit union or any credit union affiliate. ***Available for the account holder(s) and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is not insurance. **** Loan Discounts do not apply to promotional rates, credit cards and mortgage loans. ***** ATM Surcharge Reimbursement limited to 1 per month. Reimbursement restricted to McCoy’s foreign ATM surcharge only - $1 for balance inquiry or $2 ATM use.