Welcome to Benefits Checking

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$100,000 Common Carrier Accidental Death Insurance*

Members will be insured for up to $100,000 in Accidental Death Insurance while traveling by licensed Common Carrier. The coverage is divided equally among co-owners of joint accounts and reduces 50% at age 70.

If there is more than one insurance benefit - If an Insured Person has multiple Losses as the result of one Accident, then We will pay only the single largest Benefit Amount applicable to the Losses suffered.

*Accidental Death Insurance - Chubb is the marketing name used to refer to subsidiaries of Chubb Limited providing insurance and related services. Insurance provided by Federal Insurance Company. All products may not be available in all states. This communication contains product summaries only. Coverage is subject to the language of the policies as actually issued. Chubb, P.O. Box 1600, Whitehouse Station, NJ 08889. This insurance is administered by Franklin Madison Group LLC.

Payment Card Protection*

• Register all credit, debit, ATM and check cards at one time and in one place
• If your cards are lost or stolen, simply call the convenient toll-free number 24 hours a day and get help with cancelling cards, stopping unauthorized purchases and notifying all of your card issuers who allow third party notifications to block your missing cards to help prevent fraudulent activity.
• If you are more than 50 miles from home and have reported cards lost or stolen, you have access to:
  • Emergency Cash Advance
  • Emergency Airline Tickets

*Payment Card Protection - Some financial institutions may require you to call them directly and will not accept notification from third parties in which case we will contact you so that you can call your financial institution directly. For Emergency Cash Advance and Emergency Airline Tickets you will be invoiced within 30 days of your request for the amount of the cash and/or cost of the airline ticket.

The federal Fair Credit Billing Act gives you the right to dispute billing errors, such as unauthorized charges, on your credit card by notifying your credit card company in writing within 60 days after the first bill containing the error was sent to you. The credit card company must resolve the dispute within two billing cycles (not to exceed 90 days) after receiving your notification. You may withhold payment on the disputed amount (and related charges) during the investigation. You must pay the amount not in dispute. You will be informed in writing whether your bill is correct or contains an error. If your bill contains an error, it will be corrected. Your liability for unauthorized charges is limited to $50 per credit card. You are not required to enroll in Payment Card Protection to maintain your credit card.

IMPORTANT NOTICE: YOUR LIABILITY FOR FRAUDULENT CHARGES UNDER FEDERAL LAW:
For credit cards: If the card issuer has notified you of your maximum potential liability, has provided a means for you to notify the card issuer of credit card loss, and if the credit card contains a means of identifying the cardholder or authorized user, then your liability for unauthorized use of your card before the card issuer is notified is no more than $50.00 on each card.
For debit and cash-machine (ATM) cards: Your liability for unauthorized use of your card is no more than $50.00 if you notify the card issuer of card loss within two business days after you learn of the loss of the card. After that, your liability is up to $500.00, provided that the card issuer establishes that the unauthorized charges would not have occurred if you had notified the card issuer within the two business day period. In addition, if you do not notify the card issuer within 60 days after a periodic statement showing unauthorized transfers is sent to you, then you will also be liable for the amount of unauthorized transfers that occurred after the 60-day period and before notice to the card issuer, provided that the card issuer establishes that the unauthorized charges would not have occurred if you had notified the card issuer within the 60-day period. Your card issuer's liability policy may provide for lesser liability amounts than indicated above. Consult your card issuer's terms and conditions for specific details. The policy of many card issuers is not to hold cardholders liable. Nothing set forth in your membership materials alters any rights you may have under federal or state law with respect to unauthorized or erroneous transactions on your card accounts. You are not required to have this service to maintain your credit, debit, or ATM cards.

ID Network Safety Service

As a member you can register yourself or a loved one with the ID Network Safety Service where we can provide law enforcement agencies access to a recent photo and physical description information to help find a person who is reported missing. You'll receive a high-quality, durable plastic ID card with a photo, name and birth date, a physical description and a Member Number.

The ID Network Safety Service is not just for children. Members can register a person of any age! You'll also receive an annual reminder to update your Safety Service card.

Discounted Gift Cards*

Perfect for a friend, relative, or the person who has everything – gift cards make great presents and can be used at any time. You can purchase gift cards worth $25 with a discount off the face value of each card, up to 500 cards annually.

Gift cards are available for your favorite gas, restaurant, and salon chains as well as popular clothing, gift, and sporting good stores. You can even purchase gift cards to use while traveling, including entertainment, car rental and various hotel chains.

*Discounted Gift Cards - Gift card/gift certificate purchases limited to a total of 500 $25 cards annually. Participating merchants may change at any time without notice. Certain merchant restrictions and limitations may apply. Call the toll-free number for the most up-to-date listing of merchants.

Everywhere Cash Savings^SM*

Saving has never been easier!

Simply go online and click or print your way to savings. Earn cash back when you shop online through the Everywhere Cash Savings website or select from a wide variety of coupons to print and use in-store. With the Savings on Tap® mobile coupon app, available for Apple and Android, it's easy to take your savings with you everywhere you go. Choose from:

• Grocery Coupons
• Recreation Savings
• Dining Specials
• Auto and Home Services

*Everywhere Cash Savings^SM - For cash back rewards you must access the retailer's link through the Everywhere Cash Savings website provided. Purchases you make by going directly to a participating merchant's website do not qualify for cash back. Rewards will be issued automatically via check and mailed within 90 days from date of purchase or when your minimum awards amount reaches $2.00, whichever is later. Visit www.everywherecashsavings.com for complete terms and conditions Participating merchants may change at any time without notice. Merchant restrictions and limitations are provided through each merchants landing page.

Everyday Rebate Rewards*

Receive up to $40 cash back every year just by submitting receipts for everyday purchases!

Members can receive 10% back, up to $10 per quarter, by simply submitting receipts through the mail or online using a computer or mobile device.

• Gas
• Groceries
• Clothing
• Pet supplies
• Home goods
• And much more!

*Everyday Rebate Rewards - At the end of each quarter, send an Everyday Rebate Rewards request form and receipts for up to $100 of purchases to receive 10% back for a total of up to $10 each quarter (up to $40 annually). Receipts must be a minimum of at least $10 each quarter and membership must be active at time of purchase and redemption to receive a rebate.

Discounted Companion Airfare*

Grab a friend and fly to the coast for some beach fun, or take a romantic trip down south. Members can buy two adult coach-class round-trip tickets for one low price. Choose from dozens of great destinations across the U.S., such as New Orleans, Las Vegas, San Diego, Orlando . . . just to name a few. Have fun and save money at the same time!

You'll enjoy:

• Choice of participating carriers
• Choice of day and time of travel
• Frequent flyer miles earned on both tickets
• 24/7 online booking

CLICK HERE for full Terms and Conditions.

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*Discounted Companion Airfare - Valid for two adult non-refundable, non-transferable, coach-class tickets. Access to over 100 major cities in the Continental U.S. Blackout dates apply. Registered recipient and companion must travel on the same itinerary. Registered vouchers will be valid for travel for one year from the date indicated on voucher. Reservations are generally accepted within six months of travel but must be purchased at least 14 days in advance. Round-trip travel must be completed within 30 days. May not be combined with any other certificates, promotions or other offers. Schedules, terms, points of service, and fares are subject to change without notice.

Savers Club^®

Everyday savings right at your fingertips! With your membership you can get a copy of our popular Savers Club book. Use it when traveling, on car rentals, entertainment destinations, recreational activities and more.