¹ $1.00 deposit required to open account, plus check printing charges if any.

² Registration/activation required; available via mobile and web only.

³ RideShare Protection– Up to $100,000 of accidental death and dismemberment coverage and $10,000 of accident medical expense benefit if injured while traveling in a vehicle operated by a transportation network company, as defined in the insurance certificate. Coverage also includes up to $250 personal property benefits for replacement of property stolen, damaged, or destroyed due to an accident while traveling in a vehicle operated by a transportation network company. Travel costs for rideshare must be paid for through eligible checking account or a credit card issued by your financial institution. Guide to Benefit with complete details of coverage and exclusions can be reviewed on MaspethFederal.ClubChecking.com.

⁴ Roadside Assistance – 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.

⁵ Cell Phone Protection –Receive up to $600 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 and maximum of $1,000 per twelve month period. Covers up to four phones on a cell phone bill. (Cell phone bill must be paid using your Perks Checking account.)

⁶ Debit Advantage® –Buyer’s Protection & Extended Warranty –Buyer’s Protection covers items for 90 days from the date of purchase against accidental breakage, fire, or theft. Extended Warranty 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 eligible account.)

⁸ This is NOT insurance. registration/activation required.

⁹ IDProtect® identity theft monitoring and resolution services⁴ for you, and your joint account owner:

• Up to $10,000 Identity Theft Expense Reimbursement Coverage⁵ – For expenses associated with restoring your identity.
• Fully Managed Identity Theft Resolution Services – Access to a dedicated fraud specialist assigned to manage your case until your identity is restored.
• Credit File Monitoring – Daily credit file monitoring and automated alerts of key changes to your single bureau credit report. (registration/activation required)
• Credit Report – Ability to request a single bureau credit report every six months or upon opening a resolution case. (registration/activation required)
• Credit Score⁷ – Ability to request a single bureau score every month. (registration/activation required)
• Credit Score Tracker – Receive valuable insight into your credit score.^7,8
• CyberRecover™ – Get 24/7 access to personal cyber advocates who can help defend against extortion, ransomware, online fraud, gaming security risks and more. These experts provide immediate support and guidance helping you navigate and mitigate the impact of cyber incidents. With CyberRecover, feel secure knowing that professional help is always available to protect your online life.
• Identity Monitoring – Monitoring of over 1,000 databases. (registration/activation required)
• High Risk Transactions Monitoring – Receive alerts to warn you if someone is using your identity to conduct a high risk transaction at hundreds of participating banks, brokerages, payment services, cellular providers, insurance companies, retailers and more. Alerts may include new accounts, password resets, name and address changes, plus fund transfers. Get notified by email and optional SMS text. (registration/activation required)

Benefits are available to personal checking account owner(s), 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, organizations and/or churches and their members, or schools and their employees/students.

¹⁰ Must possess a valid social security number to use mobile banking or to view your account. Standard charges from your cell phone provider may apply for text messaging or mobile web access.

¹¹ Please note that other ATMs may charge transaction fees. International fees may apply.

¹² Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. Must have a bank account in the U.S. to use Zelle. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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. Guide to Benefit can be found online at MaspethFederal.ClubChecking.com or through the Club Checking mobile app. 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.

Restrictions apply. See MaspethFederal.ClubChecking.com for details.

¹Account is joint between parent and child. When the child turns 18, the Teen Checking account will convert to a Perks Checking Account. The parents/guardians from the Teen Checking account will remain as a co-owner of the Perks Checking account unless removed. In order to remove the co-owner, both account owners will be required to visit a branch to change account ownership.

²$1.00 deposit is required to open account, plus check printing charges if any.

³Must possess a valid social security number to use Mobile Banking or to view your account. Standard charges from your cell phone provider may apply for text messaging or Mobile Web access.

⁴Customers in good standing for 30 days may enroll in Mobile Check Deposits.  Contact ibanking@maspethfederal.com to enroll.  Standard charges from your cell phone provider may apply for text messaging or Mobile Web access