Carefree Checking

 

Explore the benefits of going Carefree!

Our Carefree Checking account with enhanced value-added services makes it simple to keep your family finances safer and take advantage of smart discounts on financial services and everyday purchases.

  • Help better protect your identity with IDProtect® identity theft monitoring and resolution service1
  • Protect against unexpected losses with Cellular Telephone Protection1
  • Save when you play with Mobile Retail Discounts and $hopping RewardsTM,1

Learn more about each of these value-added benefits below.

1Some benefits require registration/activation. The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the benefit described. See Carefree Checking Guide to Benefit or ask a banker for details on these services.
 
Rest easy knowing that our identity theft monitoring and resolution service can help better protect your identity5. 
 

  • Identity Theft Expense Reimbursement Coverage6 - Receive up to $10,000 to help pay expenses, clear your name and restore your identity, should you become the victim of identity theft.

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

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

  • 3-in-1 Credit File Monitoring7 - IDProtect® will monitor your Equifax, Experian and TransUnion credit files daily and automatically alert you if key changes occur. (Registration/activation required.)

  • 3-in-1 Credit Report - Request an updated credit report twice a year. (Registration/activation required.)

  • Credit Score - An updated single bureau credit score can be requested quarterly. Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. (Registration/activation required.)

  •  Identity Monitoring - Monitoring of more than 1,000 databases to identify suspicious activity. (Registration/activation required.)

Important Information
5Benefits 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.
6Special 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 offered through the company named in the Guide to Benefit or on the insurance document.
7Credit file monitoring may take several days to begin following activation.
Receive up to $300 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. $50 deductible applies. Maximum of two claims per year. Covers up to three phones on a cellular telephone bill.^
 
 
Important Information
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 offered through the company named in the Guide to Benefit or on the insurance document. described. Visit a City Capital Representative today for more information about Carefree Checking.
^Cellular telephone bill must be paid through your Carefree Checking account.
Savings on-the-go. Enjoy money-saving discounts from your favorite retail locations. We make it simple to save with immediate access to mobile coupons. Easily find locations closest to you, scan barcodes right from your mobile device and keep track of your “Favorite Deals.”
Important Information
Registration/activation required.
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 will be held in your $hopping Rewards account to use toward future purchases or can be sent to you as a check.
Important Information
Registration/activation required. Available online only.
Some features require registration and activation, while other features are automatic and should not require action.
 
Action Needed No Action Needed
Credit File Monitoring* Identity theft expense reimbursement up to $10,000
3-in-1 Credit Report* Identity Theft Resolution Services
Credit Score* Access to a fraud specialist
IDProtect® Cellular Telephone Protection^
Mobile Retail Discounts
$hopping Rewards
To register, visit capitalcity.eClubOnline.net or call 866.210.0361 toll-free and follow the simple step-by-step instructions. You will need the unique Access Code supplied in your new account documents. If you don't have your Access Code, call us at 888.671.0400 for assistance. 
Important Information
*Each owner on the account must register to take advantage of IDProtect® and credit-related features. Online registration provides immediate access to your credit report and the earliest warning of credit file activity.
^Your cellular telephone bill must be paid through your Carefree Checking account to receive the Cellular Telephone Protection benefit.