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Ultimate Checking
with IDProtect®
Featuring Identity Protection - Cell Phone Protection - Roadside Assistance Service

 Ultimate Checking with  IDProtect from Eagle

Eagle's Ultimate Checking Account comes with many benefits you already know:


But now you'll also get these additional services with IDProtect®: 

  • Identity Theft Monitoring and Resolution Services

    • Identity Theft Expense Reimbursement Coverage2 - Receive up to $10,000 to help pay expenses, clear your name and restore your identity, should you become the victim of identity fraud.

    • Comprehensive Identity Theft Resolution Services - Should you suffer identity theft, your very own dedicated 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)

    • Credit File Monitoring– daily credit file monitoring and automated alerts of key changes to key changes on your credit report. (Registration/activation required.)

    • Credit Report and Score3 - Access to credit report and credit scores. (Registration/activation required.)

    • Credit Score Tracker - Receive valuable insight into your credit score3,4. (Registration/activation required.)

    • Credit Score Simulator3 - Use the Score Simulator to see how different actions, such as increasing card limits, or paying off a loan, will impact your VantageScore. (Registration/activation required.)

    • Identity Monitoring - Monitoring of over 1,000 databases including credit, Social Security, public records, real property records, telephone and many others. (Registration/activation required.)

    • Dark Web Monitoring - Monitor your personal information on the dark web and receive alerts when your personal information is exposed. (Registration/activation required.)

  • Cellular Telephone Protection2

    • Covers up to four phones listed on the  cell phone bill

    • Covers damage or theft

    • Up to two claims per eligible account, per twelve-month period

    • Up to $600 per claim

    • $50 deductible per claim

    • Cell phone bill must be paid using your ECCU Ultimate Checking account

  • Roadside Assistance Service2

    • 24-hour coverage for roadside assistance services, including vehicle towing, fuel/oil/fluid/water delivery, and battery/lock-out/tire assistance up to $100 per occurrence

    • Maximum of two occurrences per twelve month period


All of this is included with the Ultimate Checking low monthly service fee of $5.95 ($4.95 for members age 65 years and over).
If you have Ultimate Checking, make sure you're enrolled in the monitoring services offered with IDProtect®. Simply visit www.idprotectme247.com and follow the instructions.
If you would like to open a new Ultimate Checking or want more information, visit any Eagle Branch or call (949) 588-9400 or (800) EAGLE CU (324-5328).

Open an Ultimate Checking Account          Register and Review My Credit Report


Ultimate Checking Disclosure
Ultimate Checking includes a monthly service fee of $5.95 and $4.95 for members age 65 years and over. 
1. Benefits are available to personal checking account owner(s) and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration, and/or activation. Benefits are not available to a "signer" on the account who is not an account owner or to businesses, clubs, trusts organizations and/or churches and their members, or schools and their employees/students.
2. Special 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. 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.
3. You will have access to your credit report and score provided your information has been verified by the CRA. Credit score is a VantageScore 3.0 based on single bureau data. Third parties may use a different type of credit score to assess your creditworthiness.
4. Credit Score Tracker: Once credit file monitoring has been activated and you have requested your first credit score, you may request a new credit score each month to be plotted on your Credit Score Tracker graph. Monthly email notifications will be sent to let you know when your new score is available.
What is IDProtect®?

IDProtect® is an Identity Theft Monitoring and Resolution Service for you, your joint account holders, and eligible family members1. Identity theft complaints were the second most reported complaint in 2015, increasing more than 47 percent from 2014.2 In 2015, 13.1 million consumers suffered identity fraud – an increase of three percent from 2014.3 Taking Steps to further protect your personal information has become critical.


1 IDProtect service is a personal identity theft protection service available to personal checking account owner(s), their joint account owners and their eligible family members. Service is not available to a “signer” on the account who is not an account owner.  Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.

2 Federal Trade Commission.  Consumer Sentinel Network Data Book, March 2016.

3 Javelin Strategy and Research.  Identity Fraud Report, February 2016.

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

5 Special Insurance Program Notes: The description herein is a summary only. It does not include all terms, conditions and exclusions of the policy described. Please refer to the actual policy for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance.  Refer to Guide to Benefit for complete details of coverage.  Insurance Products are not a deposit of or guaranteed by the Credit Union or any Credit Union Affiliate and are not insured by the NCUA or Any Federal Government Agency.

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