Absolute Checking® Account

You can avoid the monthly fee by maintaining:

• An average daily balance of $10,000 in combined deposit balances, or
• $20,000 in combined deposit and loan balances, or
• Direct deposits totaling $5,000 or more during a calendar month

Yes, all direct deposits from account owners and joint owners will count towards the $5,000 monthly minimum for waiving the fee.

If you have two Absolute Checking^® accounts, you can avoid the monthly fee on both accounts by meeting either of these combined balance requirements across your membership:

• Maintain an average daily balance of $10,000 or more in combined deposit balances, or 
• Maintain $20,000 or more in combined deposit and loan balances.

You can also avoid the monthly fee by receiving $5,000 or more in qualifying direct deposits during a calendar month. However, this waiver only applies to the account receiving the qualifying direct deposits. If your second Absolute Checking® account doesn't qualify through a combined balance requirement, it may still be charged the monthly maintenance fee.

Depending on how your accounts are used, it's possible for one or both Absolute Checking^® accounts to incur the monthly fee if the applicable waiver requirements aren't met.

Access all of the benefits that come with your Absolute Checking® account in digital banking, under Additional Services. You can also call 1-866-210-0361 for questions related to any of the benefits or for assistance with registration and activation.

First, you need to activate credit file monitoring under the identity protection menu on the Absolute Checking® benefits site. You can access the benefits site under the Additional services menu in digital banking.

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.

Absolute Checking^® includes IDProtect^®, a comprehensive identity theft protection service designed to help you detect, recover from, and reduce the financial impact of identity theft.

Your benefits include:

• Fully managed identity theft resolution – If your identity is stolen, you'll be assigned a dedicated fraud specialist who will guide you through the recovery process and help restore your identity and credit. 
• Identity monitoring – Monitors thousands of databases and billions of records for suspicious activity that could indicate identity theft. 
• Credit file monitoring – Helps alert you to changes that could signal fraud. Activation is required, including identity verification, to receive monitoring benefits. 
• Up to $10,000 in identity fraud expense reimbursement – Covers eligible identity theft recovery expenses, such as lost wages, legal fees, certified mailing costs, and long-distance phone charges (terms, conditions, and exclusions apply). 
• Credit and debit card registration – Register your credit, debit and ATM cards for faster assistance if they're ever lost or stolen. IDProtect^® will help notify card issuers, request replacement cards, and may reimburse up to $2,500 for unauthorized charges on registered cards if you're held liable (subject to program terms and legal limits). 

If you believe you've become a victim of identity theft, contact the Benefits Service Center at 1-866-210-0361, Monday through Friday, 8:30 a.m. to 5:00 p.m. EST.

Absolute Checking^® includes a health savings discount program that helps you save money on eligible healthcare expenses. This is not health insurance. It provides savings through participating providers nationwide.

Your discounts include:

• Prescription drug savings – Save an average of 30% on brand-name and generic prescription medications at approximately 66,000 participating pharmacies nationwide.
• Vision savings – Receive 10% to 60% off eyewear, 10% to 30% off eye exams, and 40% to 50% off the national average cost of LASIK through a nationwide network of vision providers. 
• Dental savings – Save 10% to 50% on many dental services, including preventive care, fillings, crowns, dentures, oral surgery, orthodontics, and some cosmetic procedures. 

How it works:

• Find a participating provider in the program's network. 
• Confirm the provider participates before your appointment or prescription is filled. 
• Present your membership card (found under the Health menu on the Absolute Checking® benefits site) at the time of service to receive the discounted price. 
• There are no annual usage limits, so you can use your discounts as often as needed with participating providers. 

Please note: These discounts cannot be combined with insurance or other discount programs and are not health insurance. Members are responsible for paying the discounted cost of services or prescriptions.

Pay your monthly cell phone bill using your eligible Absolute Checking® account. Coverage begins on the first day of the month after you make your phone bill payment from your Absolute account. If you stop paying your phone bill with your eligible account, coverage is suspended until you resume eligible payments.

Coverage applies to phones purchased by the account holder, including the primary line and up to three additional lines listed on your wireless bill. Up to two claims and maximum of $1,000 per eligible account , per twelve-month period. $50 deductible applies.

You must report damage or theft within 60 days by calling the Benefits Service Center at 1-866-210-0361, then submit the required claim form and documentation within 90 days.

You can use up to $4,000 daily in purchases or cash advances with your Clearview debit card in addition to the $500 maximum ATM withdrawal limit.

If you're traveling internationally, please take the following steps:

• Set travel notifications for your debit and credit card(s) with Card Defense^® in digital banking under Manage Account.
• You can also contact us at 1-800-926-0003 prior to your departure with the dates and cities you’ll be traveling to so we can notate your cards for travel. We recommend taking more than one form of payment with you when you travel.
• You'll be asked for a PIN number if you're using your card outside of the U.S., so make sure you have a PIN set up on all cards you'll be taking with you. To set up a PIN for credit cards, call 1-866-576-1342, and for debit cards, call 1-866-985-2273.

Protect yourself by registering for real-time text fraud alerts for your Clearview credit and debit cards. Once registered, you'll receive a text and/or pre-recorded voice call when there's a suspicious transaction on your card.

Register today. It only takes a few minutes!

You can get a new debit card printed on the spot at any of our financial centers for the following reasons:

• When your card is lost or stolen
• When your card is damaged
• When you open a new checking account at a financial center