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Power Protected Checking

Protect your phone. Protect your identity. You can’t live without it.

What's included? A lot.

See full list

Open your Account

24/7 Identity Theft Protection

We’ve got your back with in-depth monitoring and recovery services.2

Monitoring services like no other account out there

Looking out for you all day, every day.

Real-Time Monitoring Alerts

Receive texts and emails when your credit is pulled or other suspicious activity takes place.

Dark Web & Internet Surveillance

Get notified if your personal information is found online or on the dark web, also known as deep web or underground internet, where criminals buy and sell data.

Social Media Monitoring

Daily TransUnion® Credit Report & Score

Always know where your credit stands with easy access to your daily TransUnion® credit reports and scores.

High Risk Transactions Monitoring

Alerts you if your identity is used in financial or healthcare account activity such as money transfers or account management changes.

Data Breach Notifications

Receive notifications, along with actions to take, if your personal information may have been exposed as a result of a data breach.

Identity Health® Status Updates

Get a monthly overview of your identity security.

IP Address Monitoring

IP addresses are unique strings of numbers and periods that identify your web-enabled devices. They are considered personally identifiable information (PII) and can be used in conjunction with other data to build a profile about you. IP Address Monitoring scans for harmful use of your IP addresses and alerts you if they have been compromised.

Solicitation Reduction

An important step in protecting your identity is to reduce the amount of personal information available to telemarketers and in your mailbox. Solicitation Reduction provides you with the ability to opt out of third-party marketing solicitations such as pre-approved credit card offers, telemarketing calls, commercial mail, and coupons.

ID Theft Recovery services for peace of mind

And peace of wallet.

A dedicated Privacy Advocate will manage and resolve suspected or confirmed fraud until completion. These Fully Managed ID Theft Recovery Services cover three generations of your family, and includes financial and non-financial identity theft.

Identity Theft Expense Reimbursement Insurance also covers up to $25,000 of your out-of-pocket expenses incurred during the recovery of your identity. These expenses may include attorney’s fees, mailing expenses, and lost wages.2

Credit Freeze Assistance

A credit freeze lets you restrict access to your credit report, which makes it more difficult for identity thieves to open new accounts in your name. We can help you move through the process quickly and efficiently to better protect your credit.

IRS Tax Fraud Refund Advance

We’ll advance your tax refund if someone fraudulently files and receives it on your behalf. Get additional details here.

What personal data do you monitor?

That’s up to you.

Register whatever sensitive information you would like monitored such as:

  • Social Security number
  • Login credentials
  • Email addresses
  • Driver license numbers
  • Passport information
  • Debit & credit cards
  • Financial account numbers
  • Insurance information

Need to set up monitoring? If you already have a Power Protected Checking account, see how to activate your monitoring services here:

Monitoring Services

Mobile Phone Coverage

Protection from the oops in life.1

What is covered

Up to $500 for two phone repairs per 12-month period on any mobile phone you own to protect you against accidental damage or theft. No phone registration required.


Insurance coverage totaling up to $1,000 each 12-month period that you are eligible. Coverage allows two (2) claims up to $500 each for your device’s repairs or replacement due to accidental damage or theft. A $50 deductible applies to each claim. Pre-registration is not required and coverage applies to both new and used cell phones and smartphones.1

Compare Phone Protection Plans

Power Protected Checking
w/ mobile phone coverage

$6 /mo

all phones you own


$8.99 /mo

per phone


$6.85 /mo

per phone


$9 /mo

per phone


$9.99 /mo

per phone

How much is a screen repair?◊◊

A cracked screen costs a lot more than heartache.

iPhone X Max


Samsung Galaxy S10


Samsung Galaxy Note9


iPhone 8 Plus


iPhone 7


Broken Phone? If you already have a Power Protected Checking account, submit your claim here.

Submit Your Claim

Earn Interest on Your Account3

The more in your account, the more we’ll pay you.

Balance Tier Dividend Rate APY†† Range
$0.00 - $9,999.99 0.05% 0.05%
$10,000.00 - $24,999.99 0.10% 0.05% to 0.08%
$25,000.00 - $49,999.99 0.20% 0.08% to 0.14%
$50,000.00 - $99,999.99 0.50% 0.14% to 0.32%
$100,000.00 - $249,999.99 0.75% 0.32% to 0.58%
$250,000.00+ 1.00% 0.58% to 0.79% 

Think of Checking in a New Way

We do.

Open Your Account

Enroll in Power Protected ID Monitoring2

Let’s get to it.

It only takes about 15 minutes to make sure your information is protected. Setup is easy:

  1. Go to ssfcu.org/idmonitoring4
  2. Enter your Member ID* & verify your info
  3. Enter the personal data you want monitored

That’s it! We’ll do the rest.

*You will receive your Member ID via email when you open your Power Protected Checking account.

Federally insured by NCUA. Membership eligibility required.

1) Mobile Phone Coverage: $500 maximum per covered claim minus $50 deductible. Two claims within a 12-month period. Additional terms, conditions and exclusions apply. For details, see Mobile Phone Protection “Guide to Benefit” at SSFCU.org/disclosures. Coverage is provided through Plateau Casualty Insurance Company.

2) MONITORING SERVICES ARE PROVIDED TO THE PRIMARY ACCOUNT HOLDER ON AN ENTITLED BASIS AND REQUIRE CONSUMER ONLINE REGISTRATION AND ACTIVATION. For details, see Terms and Conditions for Identity Theft Recovery Services and Power Protected ID Monitoring at SSFCU.org/disclosures. 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 Allstate Identity Protection. 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) The term “interest” refers to dividends. For complete rate and tier information, refer to the rate sheet or visit ssfcu.org. Rates are variable and subject to change without notice.

4) The third-party website ssfcu.org/idmonitoring is not administered by Security Service Federal Credit Union.

‡ Smartphone damage data source: SquareTrade’s 2018 Smartphone Owners Repair Study conducted in August 2018 using Samplify, a subsidiary of Research Now SSI. Feedback was collected from 1,010 online consumers.

* Exposed records source: ITRC 2018 End-of-Year Data Breach Report. Fake Follower statistic according to data security firm Imperva.

§ Household transaction data source: 2017 Diary of Consumer Payment Choice (DCPC), 2017 Census

◊ Cell phone protection plan sources: AT&T at att.com, Verizon at verizonwireless.com, Sprint at phoneclaim.com/sprint, and AppleCare at macworld.com.

◊◊ Phone screen repair pricing: SquareTrade’s 2018 Smartphone Owners Repair Study, samsung.com, and support.apple.com.

† Security Service Power Protected Checking is a Blended Rate Tier account, which means the dividend rate noted above will only be paid on the portion of your daily balance within each Balance Tier. Depending on the balance in the account, the annual percentage yield (APY) will fall within the range listed. For example, if you have $23,000 in your account, you will earn .05% on the first $9,999.99 and .10% on the next $13,000.01. The highest APY is calculated based on a balance of $250,000.

†† APY = Annual Percentage Yield. APY is accurate as of 1/31/23. The Dividend Rate and APY may change without notice at the discretion of the Security Service Federal Credit Union Board of Directors. Fees may reduce earnings on your account.