Benefits
Minimum Balance
Neither account have a required minimum balance
Everyone can open an account
Yes, must be current member or qualify for membership
Rewards Debit Fee
$3.95 per month - first month is free!
Cyber Recovery only works for laptops or computers
Members can use Cyber Recovery for their tablets and phones too!
Members register for all benefits with Video Banking
No! Members must register an account on specified website to enroll in benefits
Both accounts offer free checks
Yes - 60 free checks a year BUT members must request these
ACH deposit per month
Minimum $500
Executive Debit Fee
$5.95 per month
Members access benefits through Online/Mobile Banking
No! There is a separate 'Club Checking' app that is available for members to download, or they can visit the Club Checking website
Dark Web Monitoring starts as soon as account is opened
Members must register for monitoring and tell system what areas/specifics they want monitored
Offers ID Theft Resolution Services
Executive and Rewards Debit
Minimum debit card transactions
15 debit card transactions greater than $5 per month
Rewards Debit has a maximum cashback amount
$7.50
ID Theft Reimbursement covers funds in members accounts
No! ID theft reimbursement covers expenses such as attorney fees, lost wages or travel accommodations
Members who need Roadside assistance can only get help during banking hours
No! Roadside assistance is available 24/7
Cell Phone Protection and Roadside Assistance
Executive and Rewards Debit
Paper statements are required
Paper statements are not required to earn benefits but are required to earn rewards
Members will be charged an additional fee per month if balance falls below specified amount
No! Neither account has a minimum balance
InstaDeals only gives coupons for car maintenance
Telehealth can only be used for the member
No! Telehealth covers the member and up to 8 dependents
Offers Dark Web Monitoring and Cyber Recovery
Executive Debit
Members must close account if not met for 4 months
No - Members will not qualify for cashback/APY but still receive other benefits
Executive Debit offers 3.5% APY
Up to the first $5,000 and 0.25% APY on remainder of account balance
Cell Phone bill can be paid from any account
No! Cell phone bill must be paid from eligible debit account
Specific icon shows in PHX when qualifications are met
A small present icon will show on the members RIM