F&M Extreme & Premier Checking Benefits

F&M Extreme Checking and F&M Premier Checking accounts also include the following benefits:

ID Theft Monitoring

You can rest easy knowing that IDProtect®, our identity theft monitoring and resolution service¹, can help better protect you and your family’s identity.

  • Identity Theft Expense Reimbursement Coverage²
    Receive up to $10,000 to help pay expenses, clear your name and restore your identity, should you become the victim of identity fraud.

  • Comprehensive Identity Theft Resolution Services 
    Should you suffer identity theft, your very own dedicated fraud resolution specialist will help you every step of the way until your identity is restored.

  • Credit File Monitoring
    Daily credit file monitoring and automated alerts of key changes to your credit reports. (registration/activation required)

  • Credit Report and Score³
    Access to credit report and credit scores.  (registration/activation required)

  • Credit Score Tracker 
    Receive valuable insight into your credit score3,4.

  • Debit and Credit Card Registration
    Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards should your cards become lost or stolen. (registration/activation required)

  • Identity Monitoring
    Monitoring of over 1,000 databases. (registration/activation required)

  • Online Identity Theft News Center and Valuable Phone and Web Resources
    (registration/activation required)

  • Financial Wellness 360°
    Access your financial wellness platform with unlimited one-on-one coaching, interactive courses, videos, booklets, infographics, and more to help maximize financial wellness. (available via mobile or web only)

Help Protect from Unexpected Losses 

  • Accidental Death & Dismemberment Insurance²
    Receive up to $10,000 24-hour Accidental Death & Dismemberment Insurance. (Coverage divides equally on joint accounts and reduces by 50% at age 70.)

  • Cellular Telephone Protection²
    Receive up to $400 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad.$50 deductible applies. Up to two claims per twelve month period. Covers up to four phones on a cellular telephone bill. (Cellular telephone bill must be paid using eligible account.)

  • Debit Advantage®
    Buyers Protection² covers items for 90 days from the date of purchase against accidental breakage, fire or theft.
    Extended Warranty² extends the U.S. manufacturer’s original written warranty up to one full year on most new retail purchases if the warranty is less than five years. (Item(s) must be purchased entirely with this account for coverage.)

  • Roadside Assistance Service²
    24- hour coverage for roadside assistance services including vehicle towing, fuel/oil/fluid/water delivery, and battery/lock-out/tire assistance up to $100 per occurrence. Maximum of two occurrences per twelve month period.

Save on Health Care 

  • Health Discount Savings
    Enjoy savings on vision, prescriptions and dental services. This is NOT insurance. (registration/activation required) 

Save When Your Child Banks

  • Debit Card for Kids and Teens
    Money sharing mobile application that provides you access to digital debit cards for your kids to help teach them financial responsibility. (registration/activation required)

Save When You Play  

  • Travel and Leisure Discounts - Money-saving discounts from thousands of local and national businesses - redeem and print coupons online or access discounts from a mobile device. (available via mobile or web only)

  • $hopping Rewards™ - Receiving $hopping Rewards is simple! As a member, you have access to exclusive offers and discounts at thousands of leading online retailers. Simply shop online using our customized shopping portal and receive cash back. Your cash back can be held in your $hopping Rewards account to use towards future purchases or conveniently sent to you as a check. Yes, it’s that easy! (registration/activation required; available via mobile or web only)

¹ Benefits are available to personal checking account owner(s), their joint account owners and their eligible family members 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, organizations and/or churches and their members, or schools and their employees/students. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account owner who are residents of the same household.

² Special 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 for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit. Insurance Products are not insured by the FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.

³Credit Score is a VantageScore 3.0 based on single bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. Once you have activated credit file monitoring, you may request your credit score. Once you have done so, you will have access to your score on a monthly basis.

4Credit Score Tracker: Once credit file monitoring has been activated and you have requested your first credit score, you may request a new credit score each month to be plotted on your Credit Score Tracker graph. Monthly email notifications will be sent to let you know when your new score is available.