Be Safer. Spend Smarter. It’s Simple!

Total Checking makes it simple to keep your finances safer and take advantage of smart discounts on financial services and everyday purchases.

Save when you bank

• No minimum balance required
• e-Statements
• MasterCard® Debit Card
• Online Bill Pay
• Mobile Deposit
• MSCU Mobile App
• Online Banking
• Digital Wallet
• Telephone Banking

Save when you play

• Travel and Leisure Discounts
  Money-saving discounts from thousands of local and national businesses – redeem and print coupons online or access discounts from a mobile device. (available mobile or web only)
• $hopping Rewards™
  Receiving $hopping Rewards is simple! As a member, you have access to exclusive offers and discounts at thousands of leading online retailers. Simply shop online using our customized shopping portal and receive cash back. Your cash back can be held in your $hopping Rewards account to use towards future purchases or conveniently sent to you as a check. Yes, it’s that easy! (registration/activation required; available via mobile or web only)

Help protect your identity

You can rest easy knowing that IDProtect®, our identity theft monitoring and resolution service², can help better protect your identity.

• Identity Theft Expense Reimbursement Coverage³
  Receive up to $10,000 to help pay expenses, clear your name and restore your identity, should you become the victim of identity fraud.
• Comprehensive Identity Theft Resolution Services
  Should you suffer identity theft, your very own dedicated fraud resolution specialist will help you every step of the way until your identity is restored.
• 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)
• Credit File Monitoring
  Daily credit file monitoring and automated alerts of key changes to your credit report. (registration/activation required)
• Credit Report and Score⁴
  Access to credit report and credit scores.
  (registration/activation required)
• Credit Score Tracker
  Receive valuable insight into your credit score^4,5.
• Identity Monitoring
  Monitoring of over 1,000 databases. (registration/activation required)
• Financial Wellness 360º
  Access your financial wellness platform with unlimited one-on-one coaching, interactive courses, videos, booklets, infographics, and more to help maximize financial wellness. (available via mobile or web only)

Helps with
unexpected losses

• Cellular Telephone Protection³
  Receive up to $600 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 eligible account, per twelve-month period. Covers up to four phones on a cellular telephone bill. (Cellular telephone bill must be paid using Total Checking.)
• Roadside Assistance Service³
  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.

All for a low $6.00 monthly fee. However, the monthly fee may be waived by maintaining a $2,500 average daily balance within your Total Checking account.

2 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.
3 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. Insurance products are not insured by NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.
4 You 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 Equifax data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness.
5 Credit Score Tracker: Once credit file monitoring has been activated and you have requested your first credit score, you may request a new credit score each month
to be plotted on your Credit Score Tracker graph. Monthly email notifications will be sent to let you know when your new score is available.

Benefits For You:

• No minimum balance requirements
• Online Banking
• MSCU Mobile App
• Mobile deposit
• Online Bill Pay
• Digital Wallet
• Mastercard® Debit Card
• e-Statements
• Telephone Banking

Please click the image below to reorder your personal checks.