SECURE CHECKING
The checking account that protects your interests
Open a checking account with an extra layer of security.
Get the added security of IDProtect® with your personal checking account. With Secure Checking, you can rest easy knowing our identity theft monitoring and resolution service has your back. IDProtect® helps protect your identity and that of any family member linked to your account with every ATM, debit card and credit card transaction.*
- Low $4.95 monthly service charge
- $50 minimum opening deposit
- No minimum monthly balance
- Free debit card
- Free online statements
- Unlimited check writing
IDProtect® Features & Benefits
* Identity Theft Expense Reimbursement Coverage. Covers expenses incurred to restore your identity, including reimbursement for costs associated with attorney fees, loan applications, long distance calls, certified mail and notarized fraud documents, medical records, daycare and elder care, travel and accommodations, and coverage for wages lost to time off to correct personal records.
Comprehensive Identity Theft Resolution Services. Provides a dedicated fraud specialist to manage your case and experienced recovery professionals to handle the process or restoring your identity.
Debit and Credit Card Registration. Activate this service for the security and convenience of registering your credit, debit and ATM cards. If your cards are lost or stolen, simply call the toll-free number to cancel and request replacement cards.
3-in-1 Credit File Monitoring.2 Activate this service for daily monitoring of your Equifax, Experian and TransUnion credit files and automatic alerts in the event of suspicious activity.
3-in-1 Credit Report. Activate this service to request an updated credit report every 90 days or upon receipt of alerts. Each new report includes an updated single bureau credit score. (Note: Credit score is a VantageScore® 3.0 based on Equifax data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness.)
Total Identity Monitoring. Activate this service to monitor over 1,000 databases, including credit, Social Security Number, public records, real property records, telephone records and many others. (Note: Service uses Online Identity Theft News Center and other valuable phone and web resources.)
Special Insurance Program Notes: The description herein is a summary only. It does not include all terms, conditions and exclusions of the policy described. Please refer to the actual policy for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Refer to Guide to Benefit for complete details of coverage. Insurance products are not a deposit of or guaranteed by the bank or any bank affiliate and are not insured by the FDIC or any federal government agency.
Credit file monitoring from Equifax and TransUnion will take effect within a few days after activation. If you are a current Secure Checking account holder, please register for our IDProtect® service online.
LOW MONTHLY SERVICE CHARGE
Keep your account active for just $4.95/month.
LOW MINIMUM OPENING DEPOSIT
Fund your account with as little as $50.
IDPROTECT SERVICE AVAILABLE
Get the peace of mind of ID monitoring and resolution.
FREE ONLINE STATEMENTS
Get convenience and security without the paperwork.
EZ OVERDRAFT
Overdraft protection available for an additional charge.
Secure Checking: Minimum to open this account is $50. A monthly Service Fee of $4.95 will be assessed. Includes the added benefit of IDProtect® Identity Theft Monitoring and Resolution Services. Contact a F&M Bank Personal Relationship Banker for additional details on IDProtect® Identity Theft Monitoring and Resolution Services features.
