More Savings, More Protection, More Benefits.
Get the most out of your checking account with built-in perks designed to protect your identity, save you money on everyday expenses, and support your overall well-being. Here’s what you can expect from your selected Service One checking account. Switch anytime to adjust your benefits!
How do I access my benefits?
Your checking account benefits can be managed either on desktop or on mobile through your SOCU online banking app. There is also a separate benefits portal that you can access, which leads to the same information.
An Access Code to complete portal registration will be provided to you upon account opening/activation.
Need the SOCU Online Banking App? Click an option below or visit our Online Banking page.
Choice Plus Checking Account Holder Benefits
Enjoy our most feature-packed checking account, fully loaded with premium perks like 24/7 telehealth, roadside assistance, cell phone protection, and total identity monitoring to maximize your everyday savings and peace of mind.
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Identity theft monitoring and resolution service for you and your family.
Receive up to $10,000 to help pay expenses, clear your name and restore your identity, should you become the victim of identity fraud.
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Identity theft monitoring and resolution service for you and your family.
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.
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Get 24/7 access to personal cyber advocates who can help defend against extortion, ransomware, online fraud, gaming security risks and more.
Stay protected with expert support when you need it.
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Monitor your personal information on the dark web and receive alerts when your personal information is exposed.
(registration/activation required)
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Receive up to $500 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. $50 deductible applies.
Up to two claims per eligible account, per twelve-month period.
Covers up to four phones on a cell phone bill.
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24-hour coverage for roadside assistance services including vehicle towing, fuel/oil/fluid/water delivery, and battery/lockout/tire assistance up to $100 per occurrence.
Maximum of two occurrences per twelve-month period.
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Access to 24/7 video or phone visits with U.S.-based board certified, licensed and credentialed doctors ready to help with physical and mental health care.
There are zero copays, plus discounts on prescriptions and lab work.
(registration/activation required)
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Redeem and print coupons online
Access discounts from a mobile device
Local and national discounts on hotels, restaurants, rental cars, auto care, museums, sporting events, salon services, and more
(available via mobile or web only)
Free Plus Checking Account Holder Benefits
Your account protects you with fully managed identity theft resolution services, giving you expert, one-on-one support from a dedicated specialist until your identity is completely restored.
Fully Managed 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.
See complete benefit details, register for some services, and review the benefit guides at https://socu.enjoymybenefits.com/.
An Access Code to complete portal registration will be provided to you upon account opening/activation.
Free Plus Checking Benefits Disclosures:
*Terms and Conditions. APY = Annual Percentage Yield. The Free Plus Checking Account includes an APY of 0.10% and Choice Plus earns 1.00% for balances $0 to $24,999.99 and .10% for balances $25,000 and greater as of July 8, 2026. No transaction limitations apply to this Account. One membership Share account is required per primary member. Free Plus Checking Account includes monthly e-statements at no charge. If you would prefer to also receive printed monthly statements mailed to you, that optional service is available for a fee of $5 per month.
** Checking account(s) with qualifying direct deposit may receive payroll funds up to two days earlier than the scheduled payday. This service is dependent upon the payor’s transmission of payment instructions and is not available for all deposit types. Ineligible deposits may include, but are not limited to, tax refunds and non-payroll payments. Customers should expect a delay of up to two deposit cycles for the service to become active. Daily and per-transaction limits apply.
(1) Benefits are available to personal checking account owner(s), their joint account owners and their eligible family members 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. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account owner who are residents of the same household.
https://socu.enjoymybenefits.com/
Choice Plus Checking Benefits Disclosures:
*Terms and Conditions. APY = Annual Percentage Yield. The Free Plus Checking Account includes an APY of 0.10% and Choice Plus earns 1.00% for balances $0 to $24,999.99 and .10% for balances $25,000 and greater as of July 8, 2026. No transaction limitations apply to this Account. One membership Share account is required per primary member. Free Plus Checking Account includes monthly e-statements at no charge. If you would prefer to also receive printed monthly statements mailed to you, that optional service is available for a fee of $5 per month.
** Checking account(s) with qualifying direct deposit may receive payroll funds up to two days earlier than the scheduled payday. This service is dependent upon the payor’s transmission of payment instructions and is not available for all deposit types. Ineligible deposits may include, but are not limited to, tax refunds and nonpayroll payments. Customers should expect a delay of up to two deposit cycles for the service to become active. Daily and per-transaction limits apply.
(1) Benefits are available to personal checking account owner(s), their joint account owners and their eligible family members 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. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account owner who are residents of the same household.
(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. Guide to Benefit can be found online at socu.enjoymybenefits.com. 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 account holder(s) and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is not insurance.