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Secure Checking

Paying for goods and services is fast and easy through our Secure Share Draft Checking Account.

  • Unlimited check writing

  • ID Safe Choice* - Fully Managed Identity Theft Recovery plus Identity Theft Expense Reimbursement Insurance.

  • Dividends are paid on an average daily balance of $1000

  • Direct Deposit and Payroll deduction

  • VISA® Debit Card

  • Free transactions at all DCFCU ATMs

  • Four Free transactions monthly at Presto® ATMs (ATM surcharges may apply)

  • Online Banking and Bill Pay

  • Mobile Banking

Our Secure Checking account may also qualify you for additional discounts on consumer loans!

*ID Safe Choice
Professional, dedicated Privacy Advocates are standing by and will manage your identity theft incident and resolve suspected or confirmed fraud until completion, with no time limit. Identity Theft Expense Reimbursement Insurance covers out-of-pocket expenses incurred by you during the recovery of your identity. These benefits extend to cover three generations of your family (3G) and continue to provide coverage for up to 12 months after death.

Click here to learn more about ID Safe Choice, including full terms and conditions.

*Monthly service charge: $1.99. ID Safe Choice Terms and Conditions.1. Consumers who are eligible for the group identity theft detection and recovery service (“Services”) include all named account holders who participate in a Secure Checking Account with Dade County Federal Credit Union (“Eligible Consumer”). This is known as the “Eligibility Requirement”. Dade County Federal Credit Union is hereinafter referred to as the “Program Sponsor”. 2. The Services are offered through a group services agreement (“Group Program”) with the Program Sponsor and the Service Provider and are extended to Eligible Consumers and unless otherwise stated, their eligible family members described as “3G Family” below. Eligible Consumers and 3G family are collectively referred to as “Group Members”. 3. “3G Family” is defined as the Eligible Consumer, and his/her spouse or domestic partner, dependents in the household up to age 25, other IRS-qualified dependents in the household, and parents living at the same address as the consumer, or living in hospice, assisted living, or nursing home. Group Members are eligible for the Services for up to 12 months after death. 4. Access to the Services (“Benefits Period”) begins when the Eligible Consumer first meets the Eligibility Requirement and ends when the Eligible Consumer no longer meets the Eligibility Requirement or when Program Sponsor terminates the Group Program, whichever occurs first. You may find additional information about the Services at https://www.dcfcu.org/secure-checking. 5. The Services provide professionals to manage the detection, investigation, and remediation of incidents of identity fraud caused by Identity Theft. “Identity Theft” is defined as fraud that involves the use of any combination of a Group Member’s name, address, date of birth, Social Security number, bank or credit/debit card account number, or other identifying information without the knowledge of the Group Member, and such information is used to commit fraud or other crimes. Only Identity Theft incidents that are discovered and reported to the Program Sponsor or the Service Provider during the Benefits Period will be covered by the Services. 6. The Services include reimbursement for expenses incurred in identity theft recovery up to the limit of $25,000 for Eligible Consumers and qualifying family members. Identity theft insurance is underwritten by Lyndon Southern Insurance Company, a member of the Fortegra family of companies. The information provided is a program summary. Please refer to the Identity Theft Expense Reimbursement Evidence of Coverage forms for additional information including details of benefits, specific exclusions, terms, conditions, and limitations of coverage. Coverage is currently not available in NY and may not be available in other U.S. territories or jurisdictions in the future. More information can be found at https://www.dcfcu.org/secure-checking. 7. The Services may assist the Group Member in seeking reimbursement for funds stolen in the Identity Theft incident, and/or providing assistance for filing a claim for insurance but do not provide a guarantee of reimbursement for financial losses of any kind arising from the Identity Theft incident. 8. The Services are non-transferable and non-cancelable by the Group Member and have no cash equivalent. There is no fee for using the Services; however, the account or service to which the Eligibility Requirement is attached may have a fee, based on the provisions of the account/service agreement that the Eligible Consumer has with the Program Sponsor. 9. Neither the Program Sponsor nor its contracted Service Provider can be held responsible for failure to provide or for delay in providing the Services when such failure or delay is caused by conditions beyond the control of the Program Sponsor and its Service Provider. 10. The successful completion of the Services described herein depends on the cooperation of the Group Member. The Services may be refused or terminated if it is deemed that the Group Member is committing fraud or other illegal acts, making untrue statements, or failing to perform his/her responsibilities as part of the Services, or has obtained the Services knowingly without meeting the Eligibility Requirement. The Services will not be refused or terminated due to the complexity of an identity theft case. 11. THE SERVICES DO NOT INCLUDE CREDIT COUNSELING OR REPAIR TO CREDIT NOT AFFECTED BY FRAUD OR IDENTITY THEFT. 12. The Services are only available to residents of the United States. The Services are performed with agencies and institutions in the United States or territories where U.S. law applies. 13. To access the Services, Eligible Consumers can contact the local branch office of their Program Sponsor. 14. The Services are offered through an Agreement with NXG Strategies, LLC, www.nxgstrategies.com.

 Secure Plus Checking

Our Secure Plus Checking account includes expanded banking benefits and enhanced security features; as part of the checking account, you will enjoy the following benefits and services: 

  • All the same benefits of Secure Checking

  • Fully Managed Identity Theft Recovery - Covers all types of identity theft and includes coverage for up to three generations of family members

  • 5 Free Cashier’s Checks and Money Orders per Month

  • $.05 Cash Back per Debit Card Purchase (POS and Signature Based)

  • $25,000 ID Theft Expense Reimbursement

An entitlement to nxg|PROTECT - powerful, proactive Identity Monitoring Services* with Alerts:

  • Credit Monitoring - Provides email and SMS text alerts for credit inquiries, new credit lines, address changes, and more.

  • Credit Score - Tracked on a timeline to see unexpected changes that might indicate identity theft.

  • Credit Report - Helps to benchmark your credit standing and uncover pre-existing credit issues.

  • IP Address Monitoring - Safeguard your network's security by analyzing the data traffic, behavior, and interactions of IP addresses.

  • Dark Web Monitoring - Alerts you if your personal information or registered credentials have been compromised on the Dark Web.

  • Social Media Monitoring - Monitors your Facebook, Instagram, LinkedIn, and Twitter accounts.

  • High-Risk Transactions Monitoring - Provides alerts to password resets, money transfers, and more at participating companies.

Already have Secure Plus Checking? Register below.

*MONITORING SERVICES ARE PROVIDED TO THE PRIMARY ACCOUNT HOLDER ON AN ENTITLED BASIS AND REQUIRE CONSUMER ACTIVATION. For additional details about the services, including terms, conditions, and limitations, please visit dcfcu.nxgstrategies.com. *Monthly service charge: $3.99

 Senior’s Advantage

We offer free services to members who are 50 years or older and maintain a minimum combined average daily balance of $2,500.

  • Minimum opening balance: None

  • Minimum balance to qualify: $2,500

  • Check writing fee: None

Free services include:

  • Free ATM transactions (excluding other institutions’ surcharges)

  • Free checking with free standard check order

  • Free AARP membership for the first year

  • $5 discount on a safe deposit box

  • Up to 6 free copies of statements per year

  • 5 free money orders per month

  • 5 free Cashier’s Checks per month

  • Free Notary services

  • No annual fee VISA card (if the member qualifies)

*ID Safe Choice
This protection provides you with peace of mind in the event any of your financial and or personal information is compromised. ID Safe Choice will assign you a professional Identity Recovery Advocate, who will assist you with the necessary paperwork and other details to help restore your identity and resolve any issues. Plus, you have reimbursement insurance for any necessary recovery expenses up to $25,000 like lost wages or attorney fees. This service also extends to your immediate family members.

Click here to learn more about the ID Safe Choice Program.

*Monthly service charge: $1.99

Routing Number: 266080107

     
  
  
Dade County Federal Credit Union
1500 NW 107 Avenue
Sweetwater, FL 33172

*APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed. **APY = Annual Percentage Yield.

Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government, National Credit Union Administration, a U. S. Government Agency. Dade County FCU is an equal opportunity housing lender.

We may provide links to third party partners, independent from Dade County FCU.
These links are provided only as a convenience. We do not manage the content of those sites. The privacy and security policies of external websites will differ from those of Dade County Federal Credit Union.

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