Financial well-being September 22, 2026 By
Let’s face it: finding out you’re a victim of identity theft after it happened is like being run over by a bus after you’re lying in the middle of the road surrounded by eyewitnesses, all telling you that you were hit by a bus. It would have been far better if one of the witnesses would have moved you out of harm’s way to prevent the accident from occurring in the first place. Today, we want to help protect you from a catastrophe before it happens.
How? By telling you about a checking account that includes monitoring, resolution, and reimbursement benefits that may help eligible customers detect and respond to certain identity-theft events. Identity theft continues to affect consumers across the United States. More than 1.3 million identity theft reports were filed with the Federal Trade Commission and affiliated agencies in 2025.
Secure Checking1 is not your “Plain Jane” checking account. Yes, it definitely has all of the same great features of a checking account, but it provides much more. Credit file monitoring, identity monitoring, identity theft resolution services, up to $10,000 in identity theft expense reimbursement coverage3, and access to your credit report and credit score are integrated into Secure Checking. Some benefits require authentication, registration and/or activation.1 That’s a lot of perks for a low monthly fee of $7.951. By the way, Secure Checking provides benefits to personal checking accounts and joint Account Owner(s), subject to the terms and conditions applicable to the benefits.1
Credit file monitoring watches your credit activity and provides automated alerts of key changes to your single-bureau credit report.2 Credit monitoring is a way to help stay informed about changes to your credit activity that could indicate suspicious activity.
Identity monitoring monitors more than 1,000 databases, including Social Security, credit bureaus, telephone, real estate and public records.1,3
Identity theft resolution services provide assistance if you become a victim of identity fraud. A dedicated fraud specialist will be assigned to personally manage your case and provide identity-theft resolution assistance, subject to the applicable benefit terms and conditions.3 Secure Checking also provides up to $10,000 in Identity Theft Expense Reimbursement Coverage for eligible costs related to restoring your identity, subject to applicable terms, conditions and exclusions3.
In addition, you have access to a single-bureau credit report and credit score.2 You may request a single-bureau credit score every month and a credit report every six months or upon opening an identity theft resolution case. The credit score provided is a VantageScore 3.0 based on single-bureau data.2 This gives you convenient access to your credit information and can help you keep track of changes over time.
Still not 100% sure? First United wants you to try it before you commit, so stop by your local community bank to sign up for Secure Checking. We will even waive the $7.95 monthly fee for the first 90 days1 so you can try it on for size. You can cancel at any time. For $7.95 per month after the introductory 90-day fee waiver1, Secure Checking provides access to identity monitoring and other valuable account benefits.
- Secure Checking Account Terms: $100 minimum opening deposit required. The monthly maintenance fee is $7.95 and is automatically waived for the first 90 days. Benefits are available to personal checking accounts and joint Account Owners, subject to the terms and conditions applicable to each benefit. Some benefits require authentication, registration and/or activation. Benefits are not available to a signer who is not an Account Owner or to businesses, clubs, trusts, organizations, churches and their members, or schools and their employees or students.
- Credit Report and Score: Access to the credit report and score is available after the customer’s information is verified by the consumer reporting agency. The credit score provided is a VantageScore 3.0 based on single-bureau data. Third parties may use a different credit score to assess creditworthiness.
- Benefit and Insurance Information: Benefit descriptions are summaries only and do not include all applicable terms, conditions, limitations, and exclusions. Refer to the current Guide to Benefit and applicable insurance documents for complete coverage details and exclusions. Coverage is offered through the company identified in the Guide to Benefit or certificate of insurance.
Insurance products are not insured by the FDIC or any other federal government agency; are not deposits of, or guaranteed by, the bank or any bank affiliate.
