Rewards+ Checking Benefits

Take your United Community Credit Union account to the next level.

As a community credit union, we’re committed to helping you improve your financial wellbeing.
Our Rewards+ Checking accounts give you access to the following benefits for just $4.99/month.

SureLock® Scam Protection

Enjoy premium scam protection — at your fingertips. SureLock gives you access to enhanced security features in online and mobile banking.

  • Lock your TransUnion® credit file with just one click.
  • Scan suspicious emails, links, and texts for scams.
  • Get dark web alerts for 20+ types of personal data.
  • Rely on up to $5 million in identity theft insurance.
  • Recover with concierge identity restoration.

Free Cashier's Checks

Complimentary cashier's checks for enrolled members.

$500 Mortgage Credit 

Up to $500 toward mortgage closing costs with a qualifying mortgage.

Gift Card Cash Disbursement 

Cash disbursements provided via prepaid gift card at no cost. 

If a Rewards+ Checking account isn’t the right fit for you, you can change back to your original account at any time in online and mobile banking. Contact us to change your account today.

Our SureLock® offering provides dark web monitoring, identity theft insurance, scam detection, credit file security, and identity restoration services (collectively, the “Services”) to help protect individuals from falling victim to, and recovering from, malicious attacks on their personal information.

Our dark web monitoring services scan for potential criminal selling and trading of personal information over the Internet. Our identity theft insurance provides up to $5,000,000 in benefits to cover fees associated with identity restoration services, legal expenses and documentation replacement costs. Our identity restoration services provide curated assistance to help victims reclaim their stolen identity. Our scam detection services verify the identity of all communicating parties and automatically scan emails, text messages and embedded links, QR codes, and images to detect suspicious communications. Our credit lock services enable SureLock users to seamlessly lock their TransUnion credit file to prevent third-party access and provide links to help individuals secure their Experian and Equifax credit files. Enrollments, activations, and identity verification may be required to receive the full complement of Services.

The account’s monthly fee is associated with the account, not the Services. Declining to receive, activate, verify identity, or utilize any of the Services or failure to complete any activities required to receive the Services will not reduce or eliminate the monthly account maintenance fee. There is no additional charge for the Services if the account is open, and the Services are offered.

Services are provided by TransUnion, LLC and Scamnetic, Inc. The identity fraud expense reimbursement is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company, under group or blanket policies. Insurance coverage may not be available in all jurisdictions. For the full policy, terms, conditions, and exclusions of coverage please reach out to the support team number after your coverage has begun. If you reside in New York or Texas, you will be provided an insurance certificate at the time of coverage. Insurance products are not a deposit; are not insured by any Federal banking agency and are not guaranteed by our institution. No single service can completely prevent fraudulent attacks or identity theft; or recoup all financial losses. Individuals should take proactive steps to protect their personal information and act promptly to address suspicious activity.

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