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Do you have Peace of Mind?
Authored By: TCT FCU on 6/10/2024

TCT, has you covered!

In September of 2021, TCT launched its second checking account, Peace of Mind Checking. Since then, we have been able to help countless members with courtesy overdrafts, reduced fees, credit monitoring, and more! Let's dive into the benefits…

First up, Credit and Dark Web Monitoring!

Unfortunately, in today’s world, there is so much information sharing which can result in new credit inquiries and your information being sold on the dark web.


Enroll. With the credit and dark web monitoring offered with Peace of Mind Checking, all you have to do is enroll using your Enrollment ID. From there, you can submit your email address, credit card and debit card information, medical ID number, and more to ensure your information isn’t being shared on the dark web!
 

Alerts. If they do see a hit for an item you have submitted, you will get an email letting you know so you can update anything you need to. You will also get an email whenever you have a hard hit on your credit.


Monthly Credit Score. One of my favorite features with the credit and dark web monitoring is the email you get each month updating you on your monthly credit score and letting you know you had no hits on the dark web that month- so even if everything is great you are still kept in the know… giving you peace of mind that all is well.

What happens if someone does get your information and you become a victim of identity theft?


To help with this, our next benefit is fully Managed Identity Theft Recovery!

One of the coolest features of this benefit is that you will have coverage for any incidence of identity theft, not just for something with TCT. If you are a victim of identity theft, you will have help throughout the process with a dedicated Recovery Advocate to guide you. They will help research, check your credit report, coordinate with different agencies to resolve incidents, create a case file, and more!

Next up, Mobile Phone Coverage.

I was recently offered mobile phone protection with my cell phone service, and the “amazing offer” cost $18 per phone line, with a $100 deductible, and a max payout of $250. I was blown away by this because as part of TCT’s $5 a month Peace of Mind Checking, I get coverage up to $500 with a $50 deductible. It also covers any line that is under your plan. Not only that, but you can also file up to 2 claims a year within 12 months! I mentioned this to my cell phone salesperson, and she asked how to sign up as a member.

As if these benefits aren’t already enough, there is also an option for SAVINGS! You can get the smart shopping app with discounts on dining, travel, shopping, and entertainment! Check out more at: https://tctfcu.nxgstrategies.com

Coming soon, we’ll be introducing an improved mobile claim process, mobile app, plus new benefits such as credit score simulator!

I hope you enjoyed learning about the benefits that come with Peace of Mind Checking.

Believe it or not, there are still more checking benefits!

Courtesy Pay We have all had those weeks where that paycheck doesn’t come in time, but you know your insurance is about to clear, or your National Grid bill. With peace of Mind Checking there is no need to panic! Your Courtesy Pay can kick in, up to $400*!

If your goal is to start saving more money, look no further than our Debit Card Round-up! This is a fun easy way to save some extra money without feeling a “hit.” Every time you swipe your debit card, the change gets rounded up to the nearest dollar and moves it into your regular savings or club account! This is an optional feature, and you can even open a new club account at the same time just for this! You will be AMAZED at how quickly it can add up!

I am almost done I promise, but there are still many benefits that come along with our Peace of Mind Checking! From free checks when you set up a direct deposit, free statement copies, and lower fees on overdrafts. Check out all of our amazing benefits at www.tctfcu.org/pom

All for only a $5 monthly maintenance fee! There are some programs out there that cost more for only the dark web and credit monitoring!!

Thanks for learning about TCT’s Peace of Mind Checking with me, I can’t wait to share more of my favorite TCT products with you!

 

*Courtesy overdraft can be used after your share overdraft and overdraft line of credit have already been used. Up to $400 with a $7 Overdraft Fee for paid submissions for payment and a $5 Insufficient Funds Fee for returned submissions for payment. Courtesy Pay services are available on submissions for payment by check (draft), and automatic (ACH) transactions only. Courtesy Pay services are not available on ATM/point of sale (POS), and debit card transactions. The amount of any overdraft, including our fee for each item (paid or returned), that you owe us shall be due and payable upon demand no later than 30 calendar days after the overdraft was created.


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