Digital Detox for Your Wallet

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Many of us sign up for services to protect ourselves and save money—like roadside assistance and shopping rewards—but those subscriptions add up over time. They’re usually offered by different companies, billed separately and easy to forget, leaving you juggling multiple payments month after month. What if you could clean up that clutter and get all those benefits under one affordable account with one simple monthly payment?

With 1st Defense™ checking¹ from Members 1st Federal Credit Union, you can! Instead of numerous subscriptions, you get built‑in protection, savings and support—all in one account.

Why a Subscription Detox Matters

We tend to accumulate services gradually, often without even realizing it:

• A roadside assistance plan attached to your car insurance.
• Cell phone protection that you purchased through your wireless carrier.
• Identity monitoring from one provider and credit alerts from another.
• Health discounts or telehealth plans you enrolled in for peace of mind.

Individually, these services may seem affordable. But paying for similar benefits across multiple providers can be wasteful and confusing. Doing a digital detox for your wallet isn’t about deleting everything—it’s about streamlining what you keep so you pay less for more value.

One Account—Built-In Protection and Savings

1st Defense™ checking is more than just a place that holds your money—it’s a comprehensive checking account that bundles practical protections and money‑saving perks.

For just $6.95/month, you get benefits that many people otherwise pay for separately, including:

• Identity Protection: Monitor your credit*, receive alerts when your information appears on the dark web* and work with an expert if identity theft occurs.
• Travel and Leisure Discounts: Save on everyday experiences, local attractions and travel with exclusive discounts designed to stretch your budget further. (available via mobile or web only)
• $hopping Rewards™: Earn cash back and access special offers when you shop through participating retailers and brands. (available via mobile or web only)
• Cell Phone Protection²: Get coverage for damaged or stolen phones, helping you avoid costly repairs or replacements.
• Telehealth³ Services and Health Discount Savings⁴*: From virtual care to prescription savings, get access to health tools and discounts that support you and your family.
• 24/7 Roadside Assistance²: You’ll have around-the-clock help for things like towing, lockouts and tire repairs.

What This Means for Your Wallet

With all these features in one account, you:

• See all your recurring benefits in one place.
• Reduce the number of separate monthly payments and logins you manage.
• Save money by eliminating overlapping services.

A little cleanup goes a long way. By consolidating services you already value into one account, 1st Defense™ checking helps you spend less time managing subscriptions and more time enjoying the benefits. Ready to get started? Become a member today⁵.

Federally Insured by NCUA

*Registration/activation required.  

¹Eligibility: Benefits are available to personal checking account owners and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, and/or organizations.  

²Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Guide to Benefit and insurance documents can be found online through your Members 1st Online Banking or Mobile App.   Insurance Products are not insured by the NCUA or any federal government agency; they are not a deposit of or guaranteed by the credit union or any credit union affiliate.

³Available for the account holder and their spouse/domestic partner and up to six (6) dependent children aged 2 and older. This is not insurance.  

⁴This is not insurance. 

⁵Prospective members must meet current eligibility requirements.