Simply Better Checking

Be Safer. Spend Smarter. It’s Simply Better!

First General Credit Union understands the importance of providing SECURE checking accounts with all the convenience your busy life demands. That’s why we are delighted to offer Simply Better Checking starting October 1, 2018!

Simply Better Checking functions similar to a basic checking account, but BETTER. Everything about our Simply Better Checking makes it simple to help keep your family finances safer and take advantage of smart discounts on financial services and everyday purchases. 

  • Debit Card
  • No Minimum Balance
  • Courtesy Pay
  • Unlimited Check Writing
  • Check Printing
  • E-Statements
  • IDProtect® - better protect yourself and your family (1) and your joint account owners from fraud with our identity theft monitoring and resolution service (2) that includes credit file monitoring (3), 3-in-1 credit report, monitoring of over 1,000 public databases, identity theft expense reimbursement (4), fully managed resolution services, and more.
  • Up to $10,000 of 24-hour Accidental Death & Dismemberment Insurance (4) (Coverage divides equally on joint accounts and reduces by 50% at age 70.)
  • Debit Advantage®* - Buyer's Protection (4) and Extended Warranty (4)
  • Cellular Telephone Protection* (4) - Receive up to $400 of replacement or repair costs if your eligible cell phones are stolen or damaged.
  • Travel and Leisure Discount Membership (Registration/activation required)
  • $hopping Rewards (TM) (Registration/activation required)
  • Health Discount Savings (This is not insurance, registration/activation required)


I cracked my screen about 5 times and finally decided it was worth the $50 deductible. I called the number listed on the website and talked to a really nice representative and she said she would file the claim and email me the paperwork necessary to get it going, I received the paperwork took my phone in to Crashmasters on Apple, had it fixed (had them put on a “special” screen protector that I had to pay extra for) paid a total of $149.99. I finished the paperwork, scanned, and emailed it back. Within 2-3 weeks I received a check for $99.99. The only thing I would say is the check came and it looked like junk mail, which I almost threw it away. Very easy process!!


Brenda W.


A $5.00 monthly service charge applies.

You may opt out at any time by filling out this form. You may turn it in at any of our branch offices, fax it to (231) 332-5986 or email your completed form to

* Must use eligible account to purchase and/or pay for service

Account Terms and Conditions Apply.

2 IDProtect service is a personal identity theft protection service available to personal checking
account owners, their joint account owners and their eligible family members. The service is available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members (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) and their eligible family members.  For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and their eligible family members (Fiduciary is not covered).   Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.
3 Credit file monitoring may take several days to begin following activation.
4 Special 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.

Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.