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The Plus Account | Blue Coast Federal Credit Union

Introducing The Plus Account — Checking That Protects More Than Your Money!

The Plus Account

A New Wave of Checking

A personal checking account from Blue Coast Federal Credit Union that protects more than your money — with identity theft protection, cell phone coverage, roadside assistance, telehealth, and more built right in.

Open Your Plus Account Visit a Branch
$5.95
per month with e-Statements

or $7.50 per month if you decline e-Statements

One low fee. A whole lineup of protection and savings — for you and your joint account owners.1

Included with your account

Protection that follows you everywhere

The Plus Account bundles real coverage for the things that go wrong in real life — a stolen identity, a cracked phone screen, a dead battery on the side of the road.2

IDProtect®

  • Up to $10,000 identity theft expense reimbursement2
  • Fully managed recovery with a dedicated fraud specialist until your identity is restored
  • Identity monitoring across more than 1,000 databases and public records
  • Dark web monitoring with alerts when your personal information is exposed online

Covers you and your joint account owners for any identity fraud event, anywhere in the world. Monitoring requires registration/activation.

Cell Phone Protection2

  • Up to $600 per claim in replacement or repair costs if your phone is stolen or damaged — in the U.S. and abroad
  • Covers up to four phones on your cell phone bill
  • Up to two claims and a $1,000 maximum per eligible account, per twelve-month period
  • $50 deductible per claim

Your cell phone bill must be paid using this account. To file a claim, call 1-866-210-0361.

Debit Advantage®

  • Buyer's Protection2 covers eligible items for 90 days from purchase against accidental breakage, fire, or theft
  • Extended Warranty2 extends the U.S. manufacturer's written warranty up to one full year on most new retail purchases with warranties under five years

Items must be purchased entirely with this account for coverage. To file a claim, call 1-866-210-0361.

Roadside Assistance2

  • 24-hour coverage for towing, fuel/oil/fluid/water delivery, and battery, lock-out, and tire assistance
  • Up to $100 per occurrence
  • Maximum of two occurrences per twelve-month period

Help is one call away — day or night, wherever the road takes you.

Telehealth3

  • 24/7 video or phone visits with U.S.-based board-certified, licensed doctors
  • Help with both physical and mental health care
  • Zero copays, no surprise bills, plus discounts on prescriptions and lab work

Covers you, your spouse/domestic partner, and up to six dependent children age 2 and older. Registration/activation required.

eVets4

  • 24/7 on-demand support for common pet health concerns with a zero copay
  • Live chat, phone, or video consultations with thousands of licensed veterinarians
  • Discounts on pet prescriptions plus a Pet & Owner Lifestyle Concierge

Peace of mind for pet owners, anytime, anywhere. Registration/activation required.

Movie Tickets

  • Save 10% to 40% at your favorite movie theatre
  • Get your tickets in advance and skip the line

Registration/activation required.

Travel & Leisure Discounts

  • Money-saving discounts from thousands of local and national businesses
  • Hotels, restaurants, rental cars, auto care, museums, sporting events, salon services, and more
  • Redeem and print coupons online or access discounts from your mobile device

Available via mobile or web only.

Everyday banking, included

The checking features come standard

The Plus Account is a full-featured BCFCU personal checking account first — the protections and discounts are the bonus.

  • No outgoing wire fees
  • Free cashier's checks and money orders
  • Up to 2 free instant issue debit cards per year
  • Fee-free VISA gift cards
  • No fees for automatic overdraft transfers
  • Free online and mobile banking

Already a Plus member?

Activate your benefits in three easy steps

Signing up for The Plus Account doesn't automatically turn everything on. Some benefits — like Identity Monitoring, Dark Web Monitoring, Telehealth, eVets, and Movie Ticket discounts — require a quick, separate registration before you can use them.

Go to the benefits site

Visit BlueCoastFCU.ClubChecking.com or download the Club Checking mobile app.

Register with your Access Code

Use the Access Code from your Plus Account welcome letter and follow the step-by-step instructions to create your benefits profile. Can't find your code? Call us at 850.223.7100 and we'll help.

Turn on each benefit

Activate the benefits you want to use, then come back anytime online or in the app to manage them.

Need a hand? Call 1-866-210-0361 for benefit questions, claims, or registration assistance.

Ready to catch the wave?

Open your Plus Account online in minutes, or stop by any Blue Coast Federal Credit Union branch and we'll get you set up.

Open Your Plus Account Contact Us Questions about your account? Call us at 850.223.7100 or visit mybcfcu.com.

Disclosures:

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. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Guides to Benefit and insurance documents can be found online at BlueCoastFCU.ClubChecking.com or through the Club Checking mobile app. 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 Available 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.

4 Medications may only be prescribed where allowed by law. In certain states, only virtual veterinary triage services may be provided without an established Veterinary-Client-Patient-Relationship (VCPR).

If you cancel The Plus Account or its services, all rates, discounts, and services provided through the program will cease, and your account will revert to Blue Coast Federal Credit Union's standard account agreement, terms, and fee schedule.

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