• Buyers Protection² covers items for 90 days from the date of purchase against accidental breakage, fire or theft.
• Extended Warranty² 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 this account for coverage.

• Up to $10,000 AD&D coverage.
• Coverage divides equally among joint account owners and reduces by 50% at age 70.

• Covers up to three phones listed on the cell phone bill. Cell phone bill must be paid using Excel Checking account.
• Covers damage or theft in the U.S. and abroad.
• Up to two claims per twelve month period.
• Up to $300 per claim.
• $50 deductible per claim.

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)

IDProtect®¹ helps to better protect you and your joint account holders for any identity fraud event, financial or otherwise, anywhere in the world even if the event has nothing to do with your account at Excel Federal Credit Union.

Fully Managed Recovery
Comprehensive Identity Theft Resolution Services – Access to a dedicated fraud specialist assigned to manage your case until your identity is restored.

Identity Theft Expense Reimbursement
Up to $10,000 Identity Theft Expense Reimbursement² – To 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.)

Credit File Monitoring
Daily credit file monitoring and automated alerts of key changes to your credit report. (registration/activation required)

Credit Score Tracker
Access to credit report and credit scores. (registration/activation required)

Identity Monitoring
Monitoring of more than 1,000 databases and public records to identity 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)

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)

Online Identity Theft News Center and Valuable Phone and Web Resources
Get advice on ways to protect yourself from identity theft, read educational tips and access valuable online resources and news related to identity fraud and credit. (registration/activation required)

¹Benefits 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

²Special 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.

³Credit Score is a VantageScore 3.0 based on single bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. Once you have activated credit file monitoring, you may request your credit score. Once you have done so, you will have access to your score on a monthly basis.

⁴Credit 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.

• Save on vision. (Exams, glasses, contact lenses, etc.)
• Save on prescriptions.
• Save on dental services.

This is NOT insurance. (Registration/activation required).

• Redeem and print coupons online.
• Access discounts from your mobile device.
• Local and national discounts on hotels, restaurants, rental cars, auto care, museums, sporting events, salon services and more (Available via mobile and web only).

• Access to exclusive offers and discounts at thousands of leading online retailers.
• Shop online using our customized shopping portal and receive cash back.
• Cash back can be held in your $hopping Rewards account to use towards future purchases – or conveniently sent to you as a check. It’s that easy!
  (Registration/activation required; available via mobile or web only).