You can't
without it.

Up to $1,000
Mobile Phone Coverage with
| Power Protected Checking

A bank account you can’t live without.

Power Protected Checking includes up to $1,000 mobile phone coverage1 and 24/7 in-depth identity theft protection, dark web and social media monitoring, plus cash back, high interest, and convenient access to your money at 30,000 free ATMs across the country—all for only $6 per month.

Looking for a basic checking account? We’ve got that, too. Check out our Power Checking account.ꝉꝉ

Compare for Yourself

See how Power Protected Checking stacks up against other accounts.

Power Protected
RBFCUwith additionalIDProtect Plus Service ChaseTotal Checking®
Up to $1,000 Mobile Phone Coverage1
24/7 ID Theft Protection w/ Dark Web Monitoring2
Social Media Monitoring2
Credit Monitoring with Daily Credit Reports / Scores2
10¢ Cash Back on Purchases3
Cost per month $6 $4.95* $12

*RBFCU Really Free Checking has no monthly fee. IDProtect Plus is $4.95 per month. †Chase Total Checking® has a $12 monthly service fee. Fee is waived with direct deposit totaling $500 or more OR a balance at the beginning of each day of $1,500 or more OR an avg beginning day balance of $5,000 or more in any combination of this account and linked qualifying Chase checking, savings, and other balances.

Up to $1,000 Mobile Phone Coverage

Think phone repairs are cheap? Just a screen repair can cost $329 on newer devices. With Power Protected Checking you’re covered up to $500 for two phone repairs per 12-month period—that’s $1,000 of mobile phone coverage against accidental damage, mechanical failure, or theft.1

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24/7 ID Theft Protection

Every 2 seconds an identity is stolen.◊◊ Don’t let yours be next. Our in-depth monitoring services include real-time alerts, dark web and internet surveillance, social media monitoring, daily Transunion® credit report and score, high risk transactions monitoring, data breach notification, and more.2

See what we monitor

10¢ Cash Back on Purchases

From your morning coffee run and out-to-lunch break, to grocery shopping after work and online purchases, using your debit card every day adds up! With Power Protected Checking you earn 10¢ cash back each time you make a purchase.3

How much can you earn?
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Looking for a basic checking account? We’ve got that, too. Check out our Power Checking account.ꝉꝉ
Under 18? Check out our Youth Power Checking account.

Federally insured by NCUA. Membership eligibility required.

1) Up to $1,000 Mobile Phone Coverage: $500 maximum per covered claim after $50 deductible. Two claims within a 12-month period. Limitations apply. For details, see “Electronic Device Protection Policy Summary - Terms and Conditions” at Coverage is provided by NXG Strategies, LLC and administered by Worth Ave. Group.

2) MONITORING SERVICES ARE PROVIDED TO THE PRIMARY ACCOUNT HOLDER ON AN ENTITLED BASIS AND REQUIRE CONSUMER ONLINE REGISTRATION AND ACTIVATION. For details, see Summary of Benefits – Evidence of Coverage at Some services may be limited or unavailable to non-U.S. citizens and persons residing outside the U.S. Standard data and text messaging rates may apply for alerts. Most alerts are provided real-time, but some may not be immediate. One bureau credit monitoring, daily credit report and daily credit score are provided by TransUnion®. Fully Managed Recovery Services and Monitoring Services are provided by InfoArmor, Inc. ID Theft Expense Reimbursement Insurance is underwritten by Lyndon Southern Insurance, a member of the Fortegra family of companies. Reimbursement coverage is not available to residents of the state of New York and may not be available in other jurisdictions in the future.

3) “Purchases” do not include ATM transactions, returns, checks, or overdraft advances. This offer is subject to change without notice. The term “interest” refers to dividends. For complete rate and tier information, refer to the rate sheet or visit Rates are variable and subject to change without notice.

ꝉꝉ Power Checking account has no monthly account fee and includes free eStatements. eStatements require activation. There is a $3 fee for each paper statement.

◊ Phone screen repair pricing: SquareTrade’s 2018 Smartphone Owners Repair Study,, and

◊◊ ID theft data source: Based on an online survey of 5,000 US adults conducted by The Harris Poll on behalf of Symantec, January 2019.