Checking Account Benefits
Champion Checking Benefits
Help Better Protect Your Identity
You can rest easy knowing that IDProtect®, our identity theft monitoring and resolution service', can help better protect your identity.
Fully managed 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.Identity Theft Expense Reimbursement Coverage⁵
Receive up to $10,000 to help pay expenses, clear your name and restore your identity, should you become the victim of identity fraud.Credit File Monitoring†
Daily credit file monitoring and automated alerts of key changes to your credit report.Credit Report and Score⁶†
Access to credit report and credit scores.Credit Score Simulator⁶†
Use the Score Simulator to see how different actions, such as increasing card limits, or paying off a loan, will impact your VantageScore.Credit Score Tracker†
Receive valuable insight into your credit score"Identity and Dark Web Monitoring†
Monitoring of more than 1,00O databases and public records as well as personal information on the dark web.CyberRecover†
Access to a dedicated cyber a advocate to assist with cyber issues such as ransomware, extortion, cyberbullying, phishing, virus or malicious software removal, social media cleanup, data restoration, and more.
Help Better Protect from Unexpected Losses
Accidental Death & Dismemberment⁵
Receive up to $10,000 24-hour Accidental Death & Dismemberment Insurance. (Coverage divides equally on joint accounts and reduces by 50% at age 70.)Cell Phone Protection⁵
Receive up to $400 of replacement or repair costs if your eligible ceil phones are stolen or damaged. (Cell phone bill must be paid with your Champions Checking account.)Debit Advantage®
Buyer's Protection" & Extended Warranty» (Item(s) must be purchased entirely with this account for coverage.)Roadside Assistance Services⁵
24-hour coverage for roadside services including vehicle towing, fuel/oil/fluid/water delivery, and battery/lock-out/ tire assistance up to $100 per occurrence. Maximum of 2 occurrences per 12 month period.RideShare Protection⁵
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 $250 personal property benefits for replacement of property stolen, damaged, or destroyed due to an accident while traveling in a vehicle operated by a Transportation Network Company. Not Available to Residents of MO, NY and WA. (Travel costs for rideshare must be paid for through eligible checking account or a credit card issued by your financicl institution.)
Save When You Play
Travel and Leisure Discounts*
Money-saving discounts from thousands of local and national businesses. (Available via mobile or web only)$hopping Rewards™*
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. (Available via mobile or wed only)
Save on Healthcare
Health Discount Savings*
Enjoy savings on vision, prescriptions and dental services. This is NOT insurance.
Terms and Conditions
IDProtect® Monitoring Services:
Credit File Monitoring – Daily credit file monitoring and automated alerts of key changes to your TransUnion credit report.
ACTIVATION: (Primary Account Owner): Effective September 1, 2025, Credit File Monitoring will be turned on for the primary account owner to which this notice is addressed, provided primary account owner is 18 years of age or older and information has been verified by the Credit Reporting Agency (CRA). A unique email address must be on file to receive alerts. If you do not want Credit File Monitoring activated, please contact the Benefits Service Center at (866) 210-0361.
Joint Account Owner(s): Credit File Monitoring will not be turned on for joint account owner(s). Joint account owner(s) will receive instructions on how they can register for Credit File Monitoring in a follow-up letter.
WRITTEN INSTRUCTIONS/DISCLOSURE: Under the FACT Act amendments to the Fair Credit Reporting Act, you are entitled to one free annual credit report from each of the three major credit reporting companies in a 12-month period. You authorize the administrator of this Program (Econocheck; “ECC”) and TransUnion (“CRA”) to use your personal information to activate the Credit File Monitoring (“CFM”) services. You understand that in accordance with the Fair Credit Reporting Act, you are authorizing and providing “written instructions” under the Fair Credit Reporting Act to ECC and CRA (and each of their affiliates), to obtain your credit information from your personal credit file maintained by one or more of three nationwide credit reporting agencies and you hereby authorize ECC and CRA (and each of their affiliates) to access your personal credit information in order to (i) confirm your identity and (ii) provide your credit data and the CFM services (credit report, credit score, credit file monitoring) to you related to your use and enjoyment of the service.
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 score rating is generated with your initial scan and monthly thereafter and can be viewed online. If your score reflects a high risk score, a Risk Specialist will follow up with you by email or phone to discuss the scan.
ACTIVATION: Identity Monitoring will not be turned on for primary or joint account owners(s). Registration is required to activate this benefit and an active phone number must be on file to receive notice of an elevated risk score.
Additional Disclosures:
† Registration/activation required
' Excludes promotional loans. Your specific rate and term will be dependent upon your credit rating, collateral value, amount financed, vehicle year, vehicle model and other factors. Not all applicants will qualify for the lowest rate. Other restrictions may apply.
² $2 Paper Statement fee if not enrolled with eStatement. Minimum average monthly balance over $5,000.00 in your Champions Checking account waivers the $2.00 Paper Statement fee.
³ Not all direct deposits are eligible for Early Deposit. Eligible direct deposits are generally limited to electronic direct deposits such as your payroll, pension, and government benefit payments that are made through the Automated Clearing House (ACH) network. Early Deposit is not guaranteed, may vary between pay periods, and we may stop providing it at any time without advance notice to you. Our ability to provide early access to funds may be limited by many factors, such as when we receive notice of payment from your payor.
⁴ 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.
⁵ 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 TransUnion data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness.
⁶ 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.
⁷ 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. 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.
Superior Checking Benefits
Help Better Protect Your Identity
You can rest easy knowing that IDProtect®, our identity theft monitoring and resolution service', can help better protect your identity.
Fully managed 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.Identity Theft Expense Reimbursement Coverage⁵
Receive up to $10,000 to help pay expenses, clear your name and restore your identity, should you become the victim of identity fraud.Credit File Monitoring*
Daily credit file monitoring and automated alerts of key changes to your credit report.Credit Report and Score⁶*
Access to credit report and credit scores.Credit Score Simulator⁶*
Use the Score Simulator to see how different actions, such as increasing card limits, or paying off a loan, will impact your VantageScore.Credit Score Tracker*
Receive valuable insight into your credit score"Identity and Dark Web Monitoring*
Monitoring of more than 1,00O catabases and public records as well as personal information on the dark web.CyberRecover*
Access to a dedicated cyber a divocate to assist with cyber issues such as ransomware, extortion, cyberbullying, phishing, virus or malicious software removal, social media cleanup, data restoration, and more.
Help Better Protect from Unexpected Losses
Accidental Death & Dismemberment⁵
Receive up to $10,000 24-hour Accidental Death & Dismemberment Insurance. (Coverage divides equally on joint accounts and reduces by 50% at age 70.)Cell Phone Protection⁵
Receive up to $400 of replacement or repair costs if your eligible ceil phones are stolen or damaged. (Cell phone bill must be paid with your Champions Checking account.)Debit Advantage®
Buyer's Protection" & Extended Warranty» (Item(s) must be purchased entirely with this account for coverage.)Roadside Assistance Services⁵
24-hour coverage for roadside services including vehicle towing, fuel/oil/fluid/water delivery, and battery/lock-out/ tire assistance up to $100 per occurrence. Maximum of 2 occurrences per 12 month period.RideShare Protection⁵
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 $250 personal property benefits for replacement of property stolen, damaged, or destroyed due to an accident while traveling in a vehicle operated by a Transportation Network Company. Not Available to Residents of MO, NY and WA. (Travel costs for rideshare must be paid for through eligible checking account or a credit card issued by your financicl institution.)
Save When You Play
Travel and Leisure Discounts*
Money-saving discounts from thousands of local and national businesses. (Available via mobile or web only)$hopping Rewards™*
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. (Available via mobile or wed only)
Save on Healthcare
Health Discount Savings*
Enjoy savings on vision, prescriptions and dental services. This is NOT insurance.
Terms and Conditions
IDProtect® Monitoring Services:
Credit File Monitoring – Daily credit file monitoring and automated alerts of key changes to your TransUnion credit report.
ACTIVATION: (Primary Account Owner): Effective September 1, 2025, Credit File Monitoring will be turned on for the primary account owner to which this notice is addressed, provided primary account owner is 18 years of age or older and information has been verified by the Credit Reporting Agency (CRA). A unique email address must be on file to receive alerts. If you do not want Credit File Monitoring activated, please contact the Benefits Service Center at (866) 210-0361.
Joint Account Owner(s): Credit File Monitoring will not be turned on for joint account owner(s). Joint account owner(s) will receive instructions on how they can register for Credit File Monitoring in a follow-up letter.
WRITTEN INSTRUCTIONS/DISCLOSURE: Under the FACT Act amendments to the Fair Credit Reporting Act, you are entitled to one free annual credit report from each of the three major credit reporting companies in a 12-month period. You authorize the administrator of this Program (Econocheck; “ECC”) and TransUnion (“CRA”) to use your personal information to activate the Credit File Monitoring (“CFM”) services. You understand that in accordance with the Fair Credit Reporting Act, you are authorizing and providing “written instructions” under the Fair Credit Reporting Act to ECC and CRA (and each of their affiliates), to obtain your credit information from your personal credit file maintained by one or more of three nationwide credit reporting agencies and you hereby authorize ECC and CRA (and each of their affiliates) to access your personal credit information in order to (i) confirm your identity and (ii) provide your credit data and the CFM services (credit report, credit score, credit file monitoring) to you related to your use and enjoyment of the service.
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 score rating is generated with your initial scan and monthly thereafter and can be viewed online. If your score reflects a high risk score, a Risk Specialist will follow up with you by email or phone to discuss the scan.
ACTIVATION: Identity Monitoring will not be turned on for primary or joint account owners(s). Registration is required to activate this benefit and an active phone number must be on file to receive notice of an elevated risk score.
Additional Disclosures:
† Registration/activation required
' Excludes promotional loans. Your specific rate and term will be dependent upon your credit rating, collateral value, amount financed, vehicle year, vehicle model and other factors. Not all applicants will qualify for the lowest rate. Other restrictions may apply.
² Not all direct deposits are eligible for Early Deposit. Eligible direct deposits are generally limited to electronic direct deposits such as your payroll, pension, and government benefit payments that are made through the Automated Clearing House (ACH) network. Early Deposit is not guaranteed, may vary between pay periods, and we may stop providing it at any time without advance notice to you. Our ability to provide early access to funds may be limited by many factors, such as when we receive notice of payment from your payor.
³ This APY is paid when the following qualifications are met monthly: 1) have at least 15 debit card or point of sale transactions of at least $5.00 post to your account per month and 2) receive eStatements.
⁴ 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.
⁵ 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 TransUnion data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness.
⁶ 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.
⁷ 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. 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.
8 Monthly average balance of $10,000.00 or more in your Superior Checking account waives the $6.00 monthly service fee.