Getting Started

You can sign up for each benefit of your choosing by following their links below or sign up for all of them by clicking here.  There is no additional cost to take advantage of these services in the Smart Choice Checking Program.  Remember, you will need your booklet for the access code and password information.  If you don’t have a booklet, give us a call at 757-463-3650.

Identity Theft Protection

  • Card Patrol SM

Card Patrol is a real time online monitoring service that alerts you of suspicious activity on up to ten of your registered credit/debit cards and social security number.

To access, go online to  As a first time user, enter the activation code listed on your membership cards provided in the new account kit.

Member Service Phone: 1-800-374-8234

  • Payment Card Protection

Payment Card Protection allows you to register all  your credit, debit, ATM and check cards.  24/7 you can get help to cancel cards, stop unauthorized purchases and request new cards with one toll free phone call.

Lost payment card notification: 1-800-251-2690

  • Identity Theft Insurance

Recovering from identity theft can be time consuming and costly.  You’ll have up to $2,500.00 in financial compensation for covered expenses incurred in the recovery of your stolen identity.  For assistance, call 1-866-622-5205

  • Identity Fraud Support Service

For assistance or to file a claim call: 1-866-622-5205

Additional Benefits

  • Up to $5,000.00 Accidental Death & Dismemberment Insurance

Unintentional injuries are the first leading cause of death among persons in age groups of 1-44.*  By becoming a Smart Choice Checking account holder, you are automatically covered with Accidental Death and Dismemberment Insurance, 24 hours a day.  Please review your member packet for more details.

* Source:  National Safety Council Injury Facts 2011 Edition.

  • Discounted Gift Cards

Enjoy the convenience of buying a gift without any worries or hassles.  With this valuable benefit, you can purchase gift cards worth $25.00 while enjoying a discount off the face value of each card.  Call toll free: 1-888-396-7419 with your reference ID number (given to you at account opening).

  • Everywhere Cash Savings SM

Everywhere cash savings allows you to save when shopping online.  Simply go online and click or print your way to savings.  Make sure to download the Savings on Tap Mobile coupon app, available for Apple and Android.

To access, visit As a first time user, enter the Activation code listed on your membership cards provided in the new account kit.

  • Everyday Rebate Rewards

This exciting benefit allows you to submit receipts with purchases up to $200.00 every quarter and receive up to $20.00 back!

Everyday Rebate Rewards offers quarterly rebates on your everyday purchase up to $20.00 a quarter – That’s $80.00 a year!

This benefit alone more than covers the $4.95 monthly cost of the program making all other benefits free!

Membership must be active at the time of purchase.

 NCUA_blackYour savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.  More Information