Māla Checking Account

Identity Protection Services:

Credit File Monitoring – Daily credit file monitoring and automated alerts of key changes to your TransUnion credit report.

ACTIVATION: Effective November 1, 2024, Credit File Monitoring will be turned on for the primary account owner to which this notice is addressed, provided primary account owner is 18 years of age or older and information has been verified by the Credit Reporting Agency (CRA). A unique email address must be on file to receive alerts. If you do not want Credit File Monitoring activated, please contact the Benefits Service Center at (866) 210-0361. Credit File Monitoring will not be activated for trust accounts (see eligibility regarding trust account and access to benefits).

WRITTEN INSTRUCTIONS/DISCLOSURE: Under the FACT Act amendments to the Fair Credit Reporting Act, you are entitled to one free annual credit report from each of the three major credit reporting companies in a 12-month period. You authorize the administrator of this Program (Econocheck; “ECC”) and TransUnion (“CRA”) to use your personal information to activate the Credit File Monitoring (“CFM”) services. You understand that in accordance with the Fair Credit Reporting Act, you are authorizing and providing “written instructions” under the Fair Credit Reporting Act to ECC and CRA (and each of their affiliates), to obtain your credit information from your personal credit file maintained by one or more of three nationwide credit reporting agencies and you hereby authorize ECC and CRA (and each of their affiliates) to access your personal credit information in order to (i) confirm your identity and (ii) provide your credit data and the CFM services (credit report, credit score, credit file monitoring) to you related to your use and enjoyment of the service.

Identity Monitoring – Monitoring of more than 1,000 databases and public records to identify suspicious activity, including credit header information, phone records, United States Postal Service records, and more. A risk score rating is generated with your initial scan and monthly thereafter and can be viewed online. If your score reflects a high-risk score, a Risk Specialist will follow up with you by email or phone to discuss the scan.

ACTIVATION: Identity Monitoring will not be turned on for primary account owner. Registration is required to activate this benefit, and an active phone number must be on file to receive notice of an elevated risk score.

Additional Disclosures:

†Registration/activation required. ACTIVATION: Credit file monitoring will be turned on automatically for the primary account owner listed above, provided information has been verified by the Credit Reporting Agency. See the back of the letter for information regarding activation for primary account owner and Terms and Conditions. Must be 18 years or older. Note: An email address must be on file to receive credit file monitoring alerts.

Benefits are available to personal checking account owner(s) and their eligible family members subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration, and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account owner who are residents of the same household.

²Special 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 for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit which is found online at malachecking.clubchecking.com. Certain terms, conditions and limitations apply to Mobile Phone Coverage, so it is important that you carefully review the “Electronic Device Protection Policy Summary - Terms and Conditions” on your Program Sponsor’s nxg|PROTECT website.

³You will have access to your credit report and score provided your information has been verified by the CRA. Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness.

^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.

^^Available for the account holder and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is not insurance.