Checking Plus
More protection. More perks. More savings.
Checking That Does More
Checking Plus combines convenient banking with valuable, built-in benefits designed to help protect your finances, support your lifestyle, and give you more from your checking account.
Earn a $200 Cash Bonus
Open a checking account with promo code PLUS200 and use your debit card by September 30, 2026.
It's Checking... PLUS
No need for separate subscriptions or memberships — these benefits are all included with your Checking Plus account.
Compare Your Checking Options
*$8 Monthly maintenance fee waived with a $20,000 minimum daily balance.
More Protection
From identity monitoring to cell phone coverage, Checking Plus includes services designed to help keep you covered.
Identity Protection
IDProtect® includes monitoring and recovery services¹ designed to help safeguard your identity and personal information.
Features Include:
- Identity Monitoring
- Dark Web Monitoring
- Credit File Monitoring
- Fully Managed Recovery Services
- Up to $10,000 Identity Theft Expense Reimbursement²
- CyberRecover™ Support
Registration/activation required.
Cell Phone Protection²
Get up to $800 per claim for eligible stolen or damaged phones when your monthly wireless bill is paid through Checking Plus or a 1st United Visa Platinum card.Features Include:
- Covers up to four phones on the same wireless bill
- Up to two claims every 12 months
- $50 deductible per claim
More Perks
Roadside Assistance²
24-hour access to roadside help when you need it most.Features Include:
Telehealth³
Connect with U.S.-based, board-certified doctors anytime with convenient virtual care.
Features Include:
-
Zero copays for visits
- No surprise bills
-
Physical and mental health support
-
Discounts on prescriptions and lab work
Registration/activation required.
More Savings
Travel & Leisure Discounts
Enjoy local and national discounts that can help stretch your dollar further.Features Include:
- Hotel and travel discounts
- Restaurant and entertainment savings
- Discounts on rental cars and auto care
- Access discounts through mobile or web
Registration/activation required.
Local Banking. Real Benefits.
At 1st United Credit Union, we believe your checking account should do more than just hold your money. As your local Credit Union, we’re focused on providing real value, helpful services, and personalized support for our members and communities.
Checking Plus combines convenient banking with added protection and lifestyle benefits—all from a financial partner that’s local, like you.
Have Questions About Benefits or Activation?
Call the Benefits Service Center at (866) 210-0361, Monday-Friday, 5:30 a.m. to 2:00 p.m. (PST), to learn more about your benefits or for assistance with registration and activation.
$200 Offer: Limited to one incentive per primary member, per product type. Earn $200 when you 1) open a new checking account using promotional code PLUS200; 2) make ten (10) signature or PIN purchases of at least $10 each with debit card within 60 days of account opening. Offer is subject to change or withdrawal at any time. Incentive will be credited on the 10th of the following month after all requirements are fulfilled. We reserve the right to retain incentive if checking account is closed within six months.
FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. Membership eligibility required. Checking account and debit card issuance are subject to approval through a third-party reporting agency. Early Payday: Early access to direct deposit funds depends on timing of payor’s submission and may vary.
¹Benefits are available to personal checking account owner(s) and their joint account owners, subject to the terms and conditions for the applicable benefits. Benefits are available to non-publicly traded businesses and their business owner(s) listed on the account but are not available to employees or authorized signers who are not owners. Benefits are not available to a “signer” on the account who is not an account owner, to clubs, organizations, and/or to churches and their members, or to schools and their employees/students. For revocable grantor trusts, benefits are available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, benefits are available to the beneficiary, who must be the primary member (Fiduciary is not covered).
²Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions, and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit. Insurance products are not insured by the NCUA or any federal government agency, not a deposit of or guaranteed by the Credit Union or any Credit Union affiliate.
³Available for the primary account holder and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is not insurance.
FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. Membership eligibility required. Checking account and debit card issuance are subject to approval through a third-party reporting agency. Early Payday: Early access to direct deposit funds depends on timing of payor’s submission and may vary.
¹Benefits are available to personal checking account owner(s) and their joint account owners, subject to the terms and conditions for the applicable benefits. Benefits are available to non-publicly traded businesses and their business owner(s) listed on the account but are not available to employees or authorized signers who are not owners. Benefits are not available to a “signer” on the account who is not an account owner, to clubs, organizations, and/or to churches and their members, or to schools and their employees/students. For revocable grantor trusts, benefits are available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, benefits are available to the beneficiary, who must be the primary member (Fiduciary is not covered).
²Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions, and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit. Insurance products are not insured by the NCUA or any federal government agency, not a deposit of or guaranteed by the Credit Union or any Credit Union affiliate.
³Available for the primary account holder and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is not insurance.
What is Checking Plus?
Checking Plus combines everyday banking tools with added protection, perks, and savings benefits—all included with your checking account.
How much does Checking Plus cost?
Checking Plus has an $8 monthly maintenance fee, which may be waived with an average daily balance of $20,000 or more.
Do I need separate subscriptions or memberships for these benefits?
No. Benefits are included with your Checking Plus account—no separate memberships or subscriptions required.
How much can I receive for Identity Theft Expense Reimbursement?
Identity Theft Expense Reimbursement may provide up to $10,000 for covered expenses related to restoring your identity.¹
What costs are covered under Identity Theft Expense Reimbursement?
Covered costs may include attorney fees, lost wages, credit reports, notarization and document expenses, and certain costs related to correcting records or recovering your identity.¹
How does Cell Phone Protection work?
Pay your cell phone bill with your Checking Plus account or an eligible 1st United Visa Platinum card and receive up to $800 per claim for eligible stolen or damaged cell phones. Coverage includes up to four phones on the same cell phone bill, with up to two claims per 12-month period.²
How does Roadside Assistance work?
Roadside Assistance provides help for covered emergencies, including towing, battery jump-starts, lock-out assistance, flat tire help, and fuel delivery. Covered services are available for up to two occurrences per 12-month period, up to $100 per occurrence.³
Is Roadside Assistance limited by mileage?
Roadside Assistance is not based on mileage tiers like some roadside membership plans. Towing is covered to the nearest service facility, up to $100 per covered emergency occurrence. If towing or services exceed the $100 coverage limit, you are responsible for the remaining balance.³
How do I access Telehealth services?
Telehealth provides 24/7 access to licensed and credentialed doctors for urgent care needs, as well as mental health therapists and counselors. Checking Plus holders can access Telehealth through online and mobile banking or by visiting checkingplus.1stunitedcu.org.³
How do joint account holders access Checking Plus benefits?
Joint account holders must first register at checkingplus.1stunitedcu.org using the Access Code found in their Checking Plus Benefits Disclosure. Once registered, they can activate and access eligible benefits.
The Checking Plus Benefits Disclosure is available in online and mobile banking under Statements & Notices, then Disclosures.
Want more?
Access Your Checking Plus Benefits
View benefit details, register for eligible services, and access your benefits through online and mobile banking or at checkingplus.1stunitedcu.org.Recommended for You
Financial Education
Stay informed about the latest news and scams, and learn how to reach your goals.
Today's Rates
Don't miss out on our competitive rates.
Meet Us
We're your neighbor! Learn how we put our members and community first.