FVSBank Rewards Plus Checking

Get more out of your everyday banking—with premium perks designed for real life.

Our Rewards Plus Checking account takes all the great features of Rewards Checking and adds even more value to your day. With enhanced protection, bigger savings opportunities, and added peace of mind, this account is perfect for anyone who wants the most from their money.

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✅ Rewards Plus Overview:

• • • 🔐IDProtect – Comprehensive identity theft monitoring and recovery support.

    • 📱 Cell Phone Protection – Receive up to $600 in coverage if your phone is stolen or damaged.

    • 🚗 Road Side Assistance – Help when you need it most—24/7 coverage anywhere in the U.S.

    • 👩‍⚕️ Telehealth Services – Convenient access to medical professionals from your phone or computer, anytime.

    • 😁 Health Savings Discounts – Save on prescriptions, vision care, and dental services.

    • 🛍 Travel and Leisure Discounts – Enjoy special offers at shops, restaurants, and online retailers.

    • ✅ Earns interest – 1.00% Annual Percentage Yield (APY) on balances up to $20,000, then 0.05%

• • • 🆓📦 Free box of checks per year

• • • 🆓💳 Free cashier checks & money orders

Rewards Plus Highlights

IDProtect^®1

Comprehensive identity theft monitoring and recovery support.

• • 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 resolutions 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, cyberbullying, 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

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

Telehealth^{4
Activation/registration required}

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 Assistance^{1
Activation/registration required}

• 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 and Leisure Discounts
^{Activation/registration required}

• 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

Health Discount Savings
^{Activation/registration required}

• Vision – exams, glasses, contact lenses, etc.
• Prescription
• Dental
• This is NOT insurance

💡 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 Locations – Easy access to your funds.  Access to 55,000+ surcharge-free ATMs nationwide through the Allpoint® Network

• 📨 Digital Statements & Alerts – Stay on top of your balance and transactions.

• 🛟 Overdraft Protection and/or Overdraft Privilege

Overdraft Protection & Overdraft Privilege

Even with the best of planning, life can throw surprises your way. At FVSBank, we offer helpful options to give you peace of mind when funds in your checking account run low. Overdraft Privilege limits vary based on your account type and eligibility.

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

 Best for: Customers who want an extra safety net when unexpected expenses come up.

• helps avoid declined debit card transactions, returned checks or late fees from missed payments
• allows account to temporarily go below zero, up to a set limit
• this service includes a fee for each overdraft item paid

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 Plus Checking account today and enjoy the convenience of modern banking with the added value of real-life benefits. 🙌

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_{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.}

<sub>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.</sub>