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Printer ViewYou Are Here: Home : Personal Banking Home : Personal Checking : Secure Checking Benefits

Secure Checking Benefits

Our Secure Checking is much more than just a checking account. You'll get a variety of special benefits, all described below.


Identity theft protection for you and your joint account holders for any identity fraud event, financial or otherwise, anywhere in the world even if the event has nothing to do with your account at Sturgis Bank & Trust Company.

Monitoring (Registration/activation required to receive all of these benefits)

Total Identity Monitoring - monitors your Name, Address, Date of Birth, and Social Security Number in more than 1,000 databases to determine if your identity has been compromised. This is also a good way to protect and preserve your child’s identity.

Triple-Bureau Credit File Monitoring - provides daily monitoring of your credit reports with Equifax, Experian, and TransUnion for key changes to your reports. Alerts are sent via email or text message.

Triple-Bureau Credit Report - request a new report at no cost every 90 days or upon receipt of a credit alert.

Credit Score - receive a new single bureau credit score free with every new credit report.

Fully Managed Resolution Service

A dedicated fraud specialist will be assigned to manage your case. Experienced recovery professionals will handle the recovery process until your credit and identity are completely restored.

Identity Theft Expense Reimbursements

Up to $10,000 Identity Theft Reimbursement4 to cover expenses associated with restoring your identity, such as reimbursement for costs associated with attorney fees, loan application fees, long distance calls, certified mail and notarized fraud documents, medical record costs, costs of daycare and elder care, travel and accommodations, as well as coverage for wages lost for time taken off work to correct personal records.

Debit and Credit Card Registration

Register your credit, debit and ATM cards with us and have peace of mind knowing your cards are protected and your liability is limited should your cards become lost or stolen.
(Registration/activation required)

Educational Resource/News Center

Get advice on ways to protect yourself from identity theft, read educational tips and access valuable online resources and news related to identity fraud and credit.

(Registration/activation required)

Cellular Telephone Protection4

  • Cellular phone bill must be paid through this account
  • Covers first three phones listed on cellular bill
  • Covers damage or theft
  • Up to two claims per year
  • Up to $300 per claim
  • $50 deductible per claim

Accidental Death & Dismemberment Insurance4

  • Up to $10,000
  • 24-hour coverage
  • Coverage divides equally among joint account owners
  • Coverage reduces by 50% at age 70

Travel and Leisure Discounts

  • Redeem and print coupons online
  • Access discounts from mobile device
  • Local and national discounts such as: hotels, restaurants, rental cars, museums, florist, sporting events and more

    (Registration/activation required)  

$hopping Rewards™

  • Access to exclusive offers and discounts at thousands of leading online retailers
  • Shop online using our customized shopping portal and receive cash back
  • Cash back will be held in your Shopping Rewards account to use towards future purchases - or sent to you as a check

    (Registration/activation required)

Debit Advantage™4

  • Buyers Protection covers item for 90days 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 warranty is less than five years.
  • Item(s) must be purchased entirely with eligible account.

Family Discounts5

  • Prescriptions
  • Vision - exams, glasses, contact lenses, corrective surgeries
  • Dental
3 IDProtect® service is a personal identity theft protection service available to personal checking account owners and their joint account owners. The service is available to non-publicly traded businesses and their business owner(s) listed on the account (service not available to employees or authorized signers who are not owners). Service is not available to a “signer” on the account who is not an account owner. Service is not available to clubs, organizations, and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member. (Fiduciary is not covered).
4 Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance.
5 This is not insurance (Registration/activation required)

Insurance products are not a deposit; not FDIC insured; not an obligation of the bank; and not guaranteed by bank or any affiliated entity.
Member FDIC Equal Housing Lender
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