Important Information

Important Information

If you have a credit report there’s a good chance that you’re one of the 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax, one of the nation’s three major credit reporting agencies.  The data breach includes consumers’ names, Social Security numbers, birth dates, addresses and driver’s license numbers.  Additionally, Equifax said that credit card numbers for about 209,000 U.S. customers were exposed, as was “personal identifying information” on roughly 182,000 U.S. customers involved in credit report disputes.   You can visit Equifax’s website to find out if your information was exposed:

Credit experts are reporting every American should take immediate steps to safeguard their credit. USFCU’s new Premier Checking Account is a great way to help protect yourself against incidents just like Equifax’s breach, and to help monitor any suspicious activity.  Our new Premier Checking Account offers increased security benefits and special discounts to help protect you and your family’s identity and help your money do more.

USFCU Members can rest easy knowing that , our identity theft monitoring and resolution service, can help better protect you and your family’s identities1:

  • Identity Theft Expense Reimbursement Coverage2
    Receive up to $10,000 to help pay expenses, clear your name and repair damaged credit, should you become the victim of identity theft.
  • Comprehensive Identity Theft Resolution Services

Should you suffer identity theft, your very own IDProtect fraud resolution specialist will help you every step of the way until your identity is restored.

  • Debit and Credit Card Registration
    Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards should your cards become lost or stolen. (Registration/activation required.)
  • 3-in-1 Credit File Monitoring3
    IDProtect will monitor your Equifax, Experian and TransUnion credit files daily, and automatically alert you if key changes occur. (Registration/activation required.)
  • 3-in-1 Credit Report
    Request an updated credit report every 90 days or upon receipt of alert. Each new report includes an updated single bureau credit score. Credit Score is a VantageScore 3.0 based on Equifax data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. (Registration/activation required.)
  • Total Identity Monitoring
    Monitoring of over 1,000 databases. (Registration/activation required.)
  • IDProtect StealthType™ Anti-Keylogging Tool
    Downloadable software that helps to provide a safe and secure browsing environment while isolating online activity from crimeware. (Registration/activation required.)


Our members have the option to choose between several checking account options including our Premier Checking Account.  We encourage you to call 423.989.2186 to inquire about Premier Checking or opt for another checking account.  We have the right checking account for you!


1 IDProtect is a personal identity theft protection service available to personal checking account owner(s), their joint account owners and their eligible family members. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members. For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and their eligible family members (Fiduciary is not covered). Family includes: Spouse, person qualifying as domestic partner, and children under 25 years of age and parent(s) who are residents of the same household. Premier Checking is not available to businesses, clubs, organizations and/or churches and their members, schools and their employees/students.

2 Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance.

3 Credit file monitoring from Experian and TransUnion will take several days to begin following activation.

Insurance Products are not insured by NCUA or any Federal Government Agency; Not a deposit of or guaranteed by the credit union or any credit union affiliate.