Checking that does more than hold your money.
Get everyday banking plus real-life perks like identity protection, cell phone coverage, telehealth, roadside assistance, discounts, and interest* on your balance.
Why Rewards Plus:
More value for the things life actually throws at you.
FVSBank Rewards Plus Checking is built for people who want more from their checking account – more protection, more convenience, more peace of mind, and more ways to save.
Earn Interest*
Earn interest on balances up to $20,000
earns 1.00% APY (Annual Percentage Yield) on balances up to $20,000, 0.05% APY after that.
Learn more
Protect your phone
Up to $600 in cell phone protection when your phone bill is paid from this account.
See the details
Protect your identity
Activation/registration required
Credit monitoring, dark web monitoring, recovery support, and up to $10,000 identity theft expense reimbursement.
Explore more
Get care from everywhere
Activation/registration required
Telehealth access for non-emergency medical needs, including behavioral health support.
Unlock insights
Help on the road
Activation/registration required
Roadside Assistance when you need a tow, jump start, lockout help, or fuel delivery.
Dive deeper
Save on everyday life
Activation/registration required
Access discounts on travel, restaurants, and more.
View the benefits
Health Discount Savings
Activation/registration required
Access discounts on prescriptions, vision, dental, and more.
Who is this account best for?
FVSBank Rewards Checking Plus is best for:
- Those who want premium benefits and added protections
- Like extra interest on balances
- Use mobile banking and digital statements
- Like have extra safety-net benefits
- Want a checking account with more than the basics
- Prefer a local bank that still feels modern
FVSBank Rewards Checking Plus Features
Monthly service fee: $6
Minimum opening deposit: $50
Good news! You can waive the fee by:
- Maintain a $5,000 average daily balance
- And enroll in Digital Statements
Also included
- Free box of checks each year
- Free cashier’s checks and money orders
See what’s included
Earns Interest*
Earn 1.00% APY on balances up to $20,000; 0.05% APY on balances above $20,000.
APY accurate as of May 21, 2026; subject to change without notice. A $100 minimum opening deposit required. Fees may reduce earnings.
APY = Annual Percentage Yield
Cell Phone Protection1
Cell Phone Protection1
Get reimbursed for repair or replacement costs if your cell phone is stolen or damaged.
- Up to $600 in benefits
- $50 deductible applies
- Up to two (2) claims per eligible account, per 12 month period
- Cell phone bill must be paid using this account
IDProtect2,3
Comprehensive identity theft monitoring and recovery support.
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- Identity Theft Expense Reimbursement Coverage 1
- Should you become the victim of identity fraud, you will receive up to $10,000 to help pay for expenses, clear your name, and restore your identity for the account owners
- 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 report
- Credit Report and Score 2 activation/registration required
- Access to credit report and credit scores
- Credit Score Tracker 2,3 activation/registration required
- Receive valuable insight into your credit score
- Identity Monitoring activation/registration required
- Monitoring of over 1,000 databases
- CyberRecover activation/registration required
- Access to a dedicated cyber advocate to assist with cyber issues such as ransomware, extortion, cyber-bullying, phishing, virus or malicious software removal, social media cleanup, data restoration, and more
- Dark Web Monitoring activation/registration required
- Monitor your personal information on the dark web and receive alerts when your personal information is exposed online with the Dark Web Monitoring identity theft protection tool, also known as cyber monitoring
- Financial Wellness 360 (available via mobile or web only)
- Access your financial wellness platform with unlimited one-on-one coaching, interactive courses, videos, booklets, infographics, and more to help maximize financial wellness
- Identity Theft Expense Reimbursement Coverage 1
Telehealth4
Access licensed medical professionals anytime, anywhere. It’s a convenient way to get care, prescriptions, and peace of mind without the wait or travel.
- Access to 24/7 for non-emergency video or phone visits
- Behavioral health professionals, therapists, and counselors are available
- Physical and mental health care for you and your joint account owners
- Zero copays, no surprise bills, plus discounts on prescriptions and lab work
- Covers non-emergency, urgent care for things like allergies, sinus infections, strep throat, and more
Roadside Assistance1
- 24-hour coverage including vehicle towing, fuel/oil, water delivery, and battery/lock-out/time service
- Up to $100 per occurrence
- Maximum of two (2) occurrences per 12-month period
Travel & Lifestyle Discounts
- Redeem and print coupons online
- Access discounts from your mobile device
- Local and national discounts on hotels, restaurants, rental cars, auto care, museums, sporting events, salon services, and more
Make the Most of Your Checking Account
When you bank with FVSBank, you get:
-
Digital Banking Access – Manage your money anytime, anywhere. -
No ATM Fees at Our Network– Easy access to your funds. -
Digital Statements & Alerts – Stay on top of your balance and transactions. 
Overdraft Protection and/or Overdraft Privilege
Overdraft Protection
Best for: Customers who keep funds in another FVSBank account and want extra coverage.
- helps avoid overdrafts by automatically moving money from another FVSBank account into your account when you need it
- helps avoid declined transactions or returned payments
- there is a small transfer fee
Overdraft Privilege
How to Enroll in Overdraft Privilege
Getting started is easy. Simply complete the consent form and return it to your nearest FVSBank location. 
Download the Overdraft Privilege Consent Form (PDF)
Want to learn more? We’re happy to explain how Overdraft Privilege works and help you choose the option that’s right for you. You can also read What else should I know about Overdraft Privilege?
Ready to Get Rewarded?
Open your FVSBank Rewards Checking account today and enjoy the convenience of modern banking with the added value of real-life benefits.
FVSBank Rewards Checking FAQ
Is FVSBank Rewards Plus Checking worth it?
Yes. The value of these lifestyle benefits, if purchased individually, is over $50 a month. This is a good option if you want the added benefits like cell phone protection, identity monitoring, telehealth, roadside assistance, discounts, and interest on your balance, up to $20,000.
How much does FVSBank Rewards Plus Checking cost?
The account has a $6 monthly service fee that can be waived with an average daily balance of $5,000 and digital statements.
Can the monthly fee be waived?
Yes. The fee can be waived by maintaining a $5,000 average daily balance and enrolling in digital statements.
Does FVSBank Rewards Plus Checking earn interest?
Yes. It earns 1.00% APY (Annual Percentage Yield) on balances up to $20,000, then 0.05% APY thereafter.
Does cell phone protection cover any phone?
Coverage may apply when your cell phone bill is paid from your FVSBank Rewards Checking account. Terms, limits and deductibles apply.
1. 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 and/or Insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in Guide to Benefits or on the certificate of insurance. Insurance products are not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.
2. Credit score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different type of credit score to assess your creditworthiness.
3. Credit 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.
4. Available for the account holder and joint account holder.