Vault Checking

You’ve seen it on the news, read about it, and maybe even heard about it happening to someone you know. If you carry a wallet or a purse, if you have a credit card or a Social Security Number, you are at risk of identity theft.

The Federal Trade Commission estimates that as many as 10 million Americans have their identities stolen each year. Identity thieves may rent an apartment, obtain a credit card, or establish a telephone account in your name. You may not find out about the theft until you review your credit report or a credit card statement and notice charges you didn’t make—or until you’re contacted by a debt collector.

Identity theft is serious. While some identity theft victims can resolve their problems quickly, others spend hundreds of dollars and many days repairing damage to their good name and credit record.  Some consumers victimized by identity theft may lose out on job opportunities, or be denied loans for education, housing or cars because of negative information on their credit reports.

Triple-Bureau Credit Reports
You can receive up-to-date credit reports and scores from all three major credit reporting agencies – Experian, Equifax and TransUnion. Combined, your credit report and credit score provide a valuable picture of your overall credit standing and help you to identify critical errors in your personal financial data.

Credit Alert®
With 24-hour daily credit monitoring, you’ll be alerted automatically of certain negative changes to your credit. While it can’t prevent identity theft, Credit Alert can greatly reduce its impact by allowing you to minimize the damage. Even if there are no changes to your credit, you’ll receive a quarterly notification letting you know that nothing has changed.

Card Patrol®
Identity thieves care about two things – stealing your personal information and selling it to make money. Our sophisticated, real-time early warning technology monitors various chat rooms across cyberspace for your personal information.

Identity Theft Insurance with Fraud Assistance*
In the event that identity theft occurs, you will be assigned a personal caseworker to take you through the resolution process. You’ll receive expert advice to assist you with organizing paperwork, notifying creditors and clearing your good name. Additionally, you will be reimbursed for qualified expenses incurred in the recovery of your stolen identity, up to $2,500. Whether you need to hire an attorney, expedite paperwork or take time off of work, you’ll be covered.

*Identity Theft Insurance is offered through the insurance company named on the Benefit Summary in the membership kit that you will receive. Please refer to the Summary for complete details of coverage, limitations and exclusions.

Earn Interest
All Vault Checking account balances earn interest every day. The interest rate is subject to change at any time.

Cash Rewards
Earn cash back just for shopping online with your Marine Bank Debit Card. You can earn rebates up to 20%! Our secure online shopping network includes more than 200 of the nation’s top retailers. Once you’ve registered your card, you’ll simply need to access the retailer’s website via our Cash Rewards web page and pay with your Marine Bank Debit Card. Rewards will automatically be refunded as a credit on your monthly Vault Checking statement. There’s nothing else to do.

Click here to go to the Cash Rewards website for information, shopping and rebate tracking.

Gas Rewards
Finally, here’s a way to get back some of what you spend at the gas pump! Pay for your gasoline with your Marine Bank Debit Card and save your receipts. When your gas receipts total $100, send them in with our Gas Rewards request form and receive 10% back. Rebate is limited to $10 per calendar quarter – send in your receipts four times a year and get $40 in rewards!

Bank Rewards
If you choose to upgrade from our Vault Checking to Platinum Vault Checking or Mariner Vault Checking, you will enjoy free checks, free travelers’ and cashier’s checks, free money orders, free notary service, discounts on safe deposit box rental and a $10 bonus when you open a new savings account with at least $100 or a new CD with at least $1,000.

All Vault Checking accounts require a deposit of at least $100 to open. There is no minimum balance after opening.