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Member Protect Checking
Member Protect Checking
Experience the Benefits of Comprehensive Protection
Unlock a world of benefits with Member Protect Checking. Enjoy rewards for everyday purchases, comprehensive identity protection, and device safeguards — all within one secure account.
Receive
Cash Back
Turn everyday debit card purchases into cash back.
Early Direct Deposit
Access your paycheck up to two days in advance. Click here to learn more.
Identity
Protection
Safeguard your identity and combat potential fraud.
Device
Protection
Get coverage for your mobile devices against accidental damage.
Credit
Monitoring
Monitor your credit and receive alerts for suspicious activity.
More Details About Member Protect Checking
It’s hard to find a checking account quite like Member Protect Checking. Enjoy a wide range of features, including:
- 10¢ cash back on every debit card point-of-sale purchase1
- Personal information and credit protection
- ID theft recovery services
- Competitive rates on your balance
- No minimum balance requirements or minimum to open checking accounts
Plus, get everything for a low monthly maintenance fee.* However, APGFCU will waive the fee if you:
- Set up a monthly, recurring direct deposit of $200 or more into your Member Protect Checking account
- Opt out of receiving paper statements
- Make 20 or more debit card point-of-sale purchases per month
Benefits of a Member Protect Checking Account
Credit Report
Disputes
You can dispute inaccurate items on your TransUnion credit report directly through their online portal.
Credit Freeze Assistance
Trained privacy advocates walk you through freezing your credit reports with all three major credit bureaus.
Online TransUnion® Credit Lock/Unlock2
Lock and unlock your TransUnion credit report online to prevent unauthorized access to your credit report.
IP Address
Monitoring3
Scans for malicious use of your IP addresses and alerts you if they are compromised.
Member Protect Checking Rates
| Minimum Balance | Dividend Rate | Annual Percentage Yield* | Alert Me |
|---|---|---|---|
| $0 - $10,000 | 0.05% | 0.05% | |
| $10,000.01 - $20,000 | 0.15% | 0.15% | |
| $20,000.01 + | 0.25% | 0.25% | |
| *The Member Protect Checking account has a $6.00 monthly fee. This fee is waived if you opt out of paper statements from APGFCU, have an ongoing qualifying direct deposit** of at least $200 per month into your Member Protect Checking account, and complete a minimum of 20 qualifying Point-Of-Sale (POS) purchase transactions*** per month using an APGFCU Visa Debit Card linked to the Member Protect Checking Account. Member Protect Checking is limited to one per member (per membership). APY is accurate as of the last dividend declaration date. No minimum balance to open. Fees may reduce earnings on account. DIVIDEND RATES MAY CHANGE AFTER ACCOUNT IS OPENED. Dividends are earned from day of deposit to day of withdrawal, compounded and credited monthly. Federal regulations prohibit dividends in excess of available earnings.
**A qualifying Direct Deposit is a recurring electronic credit of your salary, pension, Social Security, or other regular monthly income deposited to your account by your employer or an outside agency. Transactions that do not qualify as a Direct Deposit include, but are not limited to, transfers from one account to another, deposits from an internet payment service, and deposits made at an ATM. ***To qualify, debit card transactions must process, post, and clear within the calendar month. Minimum purchase transaction is $1.00. Debit card transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Both PIN and signature POS transactions qualify. ATM transactions do not qualify. |
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How to Open a Member Protect Checking Account
Apply
Click the green button or visit a branch to start your application.
Fund Your Account
Add funds to your new account. No minimum balance requirements!
Get Peace of Mind
Explore all the safety and security features this account offers.
Member Protect Checking FAQs
- What happens if I become a victim of identity theft?
Our Identity Theft Recovery2 service provides a dedicated advocate to manage your case until it is resolved. This protects you from the many types of identity fraud you may encounter. This service covers the account holder and three generations of their family.
- Can I get financial assistance if identity theft occurs?
Identity Theft Expense Reimbursement Insurance4 covers up to $25,000 of out-of-pocket costs with no deductible. This could include legal fees, document expenses, and lost wages while fighting fraud.
- Is my smartphone protected with this account?
Yes! Get Mobile Device Protection5 with reimbursement of up to $250 after a deductible for accidental damage repairs or replacement. It covers new and used phones (limitations and waiting period apply).
- How can I monitor my credit score and check my credit reports with Member Protect Checking?
Enjoy Three Bureau Credit Monitoring2, including alerts for suspicious activity. You'll initially receive TransUnion monitoring, with the option for Experian and Equifax. With TransUnion, receive daily and on-demand credit reports and scores. Your new credit union member checking account covers you on all three fronts!
- Does this account help me stay safe on the Dark Web?
Dark Web Monitoring3 alerts you if your personal information becomes compromised. This feature continuously tracks criminal networks, black market forums, phishing networks, and exploited websites. This secure checking account also offers secure online storage for important credentials.
- Will I know if someone tries to misuse my identity for major transactions?
Yes! High-Risk Transaction Monitoring3 sends alerts about potentially fraudulent activity (e.g., credit cards, ATM, and bank accounts) across various banks, brokerages, and more.
- Can you help protect my social media accounts?
Social Media Monitoring3 watches for inappropriate content on platforms like Facebook and Twitter. You'll receive alerts if someone else has taken control of your account.
- I'm tired of junk mail. Can you help with that?
The Solicitation Reduction Service assists with opting in/out of credit offers and the Do Not Call Registry. It also helps reduce unwanted mail.
More Ways to Save and Earn
High Yield Checking
Watch your savings grow with a smile-inducing rate on our High Yield Checking!
Certificates
Secure your financial future with exceptional rates on our flexible certificates.
Savings & IRAs
Build a brighter financial future with our diverse savings and retirement options.
Need Help With a Checking Account? Get in Touch!
Member Protect Checking Account Disclosures
1To qualify, debit card transactions must process, post, and clear within the calendar month. Minimum debit card purchase transaction is $1.00. Debit card transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Both PIN and signature POS transactions qualify. ATM transactions do not qualify.
2Identity Theft Protection policy limitations and disclosures provided to you upon account opening. Credit monitoring, reports, and scores require activation and are applicable to individuals aged 18 and older who have a valid credit file. Credit monitoring, reports, and scores are provided by TransUnion and are subject to change. Activation and identity authentication are required the first time you obtain your report and score, to set up monitoring, and to access your annual Tri-Bureau Credit report and score. The credit score provided may not be consistent with the credit score model used by a lender, and therefore cannot be relied upon to determine creditworthiness for any particular loan opportunity.
3Monitoring services require activation. Membership eligibility applies.
4Reimbursement Insurance is underwritten by Lyndon Southern Insurance, a member of the Fortegra family of companies. The 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.
5Mobile Device Protection has an annual benefit of $250 and a $50 deductible. Mobile Device Protection policy limitations and disclosures are provided to you upon account opening. No pre-registration is required and the benefit applies to both new and used cell phones and smartphones with a waiting period of 30 days after the coverage start date. You may file one claim per 12-month period. Certain terms, conditions and limitations apply to these benefits, so it is important that you carefully review the “Mobile Device Coverage Member Services Agreement” on our website.