Premium Checking is subject to a $6/month fee with $135* in value. Members can waive their monthly fee by taking the following actions: (a) monthly direct deposit into the account of at least $500; (b) complete** 20 or more Visa® debit/credit card transactions per month; and (c) maintain an average daily checking balance of $1,500 or more. America First accounts include the following benefits as described below. These descriptions are summaries only. For complete terms, coverage, conditions and exclusions, please refer to the Summary of Benefits, Guide to Benefit, and/or Premium Checking FAQs online. All benefits are subject to eligibility, terms, conditions & change without notice

Identity Protection Suite

¹Identity Theft Protection includes identity recovery services and an entitlement to monitoring services (registration/activation required). Recovery Services-Goodyear Advocates will provide fully managed Identity Theft Recovery Services extend to all named account holders, including spouses, domestic partners, dependents with same permanent address, and any other IRS dependents and parents living in the household or elder care. For more information, refer to the Summary of Benefits. ²Monitoring services provide three credit bureau monitoring, daily credit reports and scores, an annual tri-bureau credit report and score, online TransUnion® credit lock/unlock, dark web monitoring, IP address monitoring, high-risk transactions monitoring and social media monitoring. Primary account holder will receive a unique member ID number and instructions on how to register and activate these monitoring services.

Mobile Phone Protection

Mobile Phone Protection provides reimbursement for the labor/parts necessary to repair or replace your eligible device in the event of a covered claim for accidental damage or theft. Damage coverage begins the first day of the month following the date an account holder became eligible for services by opening Premium Checking, is opened, or account is converted to Premium. There is no waiting period for theft. Damage and theft are not covered if the incident occurred prior to the date account holder became eligible . (All eligible cellular wireless telephones owned by named account holders and active on their wireless phone bill are covered. Mobile phones listed under business wireless plans, rented, borrowed or part of a pre-paid plan are not covered.) Coverage pays up to $850 minus a $50 deductible per claim. Log in to online or mobile banking at americafirst.com and navigate to the Premium Checking benefits page to begin a claim. Claims must be made within 60 days of the loss or damage of the covered device. Refer to the Mobile Phone Protection Guide to Benefit for coverage, details of terms, conditions & exclusions.

Lifestyle Benefits

Premium Account Payback, Rewards & Points

Account holders may earn up to 600 points ($6 cash value) each month based on their relationship with America First. Rewards points are accumulated by the number of product categories a member has. The more categories, the higher the level and the more points earned. ATM fee offset applies to non-network ATM fees that will be rebated to Premium Checking members as rewards points on the first of each month, up to 1,000 points ($10 value). Shopping Saver is comprised of discounts to local and national merchants. Offers must be used within 14 days or printing or redeeming. Discounts are categorized as Premium Deals and Everyday Savings , depending on the merchant and discount offered. CouponzDirect is a management service that searches for available digital grocery or pharmacy coupons to be loaded directly onto registered store loyalty cards. Coupon expiration dates are determined by the applicable store or manufacturer.

For complete information and details regarding the Identity Theft Protection and Mobile Phone Protection benefits, please visit: https://afcu.nxgstrategies.com/home

Premium Checking FAQs can also be found by visiting: https://www.americafirst.com/accounts/checking-accounts/premium-checking/premium-checking-faq.html

For assistance or questions regarding registration, activation, and entitlement of Identity Theft Protection Services, please call 1-855-915-1687.

For assistance with Shopping Saver or CouponzDirect, please call 1-800-481-2703.

Identity Theft Protection Summary of Benefits and FAQs:

https://afcu.nxgstrategies.com/nxgprotect/summary-of-benefits

https://afcu.nxgstrategies.com/nxgprotect

Mobile Phone Protection Guide to Benefit and FAQs:

https://afcu.nxgstrategies.com/nxgmobile/faqs

*Estimated monthly value is based on current market prices of comparable services and/or programs & products. No cash value is implied with using this account or any of its features. **Pending transactions are not considered complete and will not count toward the monthly total until cleared.

¹The information provided is a program summary. Please refer to the Identity Theft Expense Reimbursement Evidence of Coverage forms for additional information, including details of benefits, specific exclusions, terms, conditions and limitations of coverage. Coverage is currently not available to residents of the state of New York and may not be available in other U.S. territories or jurisdictions in the future. For Evidence of Coverage for Identity Theft Expense Reimbursement Insurance, visit afcu.nxgstrategies.com. 

²Monitoring Services are provided to all named account holders on an entitled basis and require consumer activation. Monitoring alerts are provided by email and/or SMS text. Credit services are provided by TransUnion®, subject to change, and are applicable to individuals ages 18 and older who have a valid credit file. Identity authentication is required to view credit monitoring alerts, reports and scores, and to extend credit monitoring to all three bureaus. The credit score provided may not be consistent with a credit score model used by a lender, and therefore cannot be relied upon to determine creditworthiness for any particular loan opportunity. By utilizing TransUnion® Credit Lock/Unlock, you are not locking your Experian® or Equifax® credit reports.

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