Power Protected Checking
Protect your phone. Protect your identity. You can’t live without it.
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.
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 ServicesMobile 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.
Compare Phone Protection Plans◊
Power Protected Checking
w/ mobile phone coverage
$6 /mo
all phones you own
AT&T
$8.99 /mo
per phone
Verizon
$6.85 /mo
per phone
Sprint
$9 /mo
per phone
AppleCare+
$9.99 /mo
per phone
How much is a screen repair?◊◊
A cracked screen costs a lot more than heartache.
iPhone X Max
$329
Samsung Galaxy S10
$249
Samsung Galaxy Note9
$239
iPhone 8 Plus
$169
iPhone 7
$149

Broken Phone? If you already have a Power Protected Checking account, submit your claim here.
Submit Your ClaimEarn Interest on Your Account3
The more in your account, the more we’ll pay you.†
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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:
- Go to ssfcu.org/idmonitoring4
- Enter your Member ID* & verify your info
- 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.