SmartSecure
Best if you’re looking for extra protection for yourself and your family. With your SmartSecure Checking account, you can protect your entire family with Identity Monitoring. You can protect yourself with Credit Monitoring which allows you to receive an updated credit report every 180 days or whenever there is an Identity Fraud Incident. In the event you experience ID theft, you will be assigned a dedicated fraud specialist to help you manage your case until your identity is restored. Plus, there are many more great benefits.
Your SmartSecure Checking Account offers these great benefits for FREE:
Your Visa Debit Card is accepted worldwide and works at any ATM for easy access to your cash. With CardControl, you can control your debit card with your app. Receive instant notifications anytime your debit card is used, set spend limits, restrict geographical areas and online purchases, and control your card with an on/off switch.
Bank with ease, security, and convenience online or by using the #1 Rated Mobile banking app. Check balances, track transactions, pay bills, view your account statement, deposit checks with mobile deposit, send or receive money with Zelle¹, and get special cash back offers in the app. Learn More
Electronic monthly account statements (Estatements)² are provided for free. Paper statements are available for $3.00.
SmartSecure Features
Only $5.95 per month! – Fee is eliminated when you maintain an average monthly balance of $5,000 or more.
Request an updated credit report every 180 days or whenever there is an Identity Fraud Incident. Each new report includes an updated single bureau credit score. Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different type of credit score to assess your creditworthiness. (Registration and activation required.)
You will have the ability to request a single bureau score every month. (Registration and activation required)
IDProtect will monitor your Experian® credit file daily, and automatically alert you if key changes occur. (Registration and activation required.)
You will receive valuable insight into your credit score with Credit Score Tracker.
You can use the Score Simulator to see how different actions, such as increasing card limits, or paying off a loan, will impact your VantageScore. (Registration and activation required)
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 rating is generated with each monthly scan and if your scan reflects a high-risk score, you will be notified. (Registration and activation may be required.)
Access to a dedicated fraud specialist assigned to manage your case until your identity is restored.
Monitor your personal information on the dark web and receive alerts when your personal information is exposed. (Registration and activation required)
Register your credit, debit, and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards should your cards become lost or stolen. (Registration and activation required)
Receive up to $10,000 to help pay expenses, clear your name and restore your identity, should you become the victim of identity fraud.
Receive up to $400 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. Maximum of two claims per year. Covers four devices on your cellular telephone bill paid through your checking account. (Cellular telephone bill must be paid through this account.)
Receive up to $10,000 of Accidental Death & Dismemberment Insurance. (Coverage divides equally on joint accounts and reduces by 50% at age 70.)
24-hour coverage for roadside assistance including vehicle towing, fuel/oil/fluid/water delivery, and battery/lock-out/tire assistance up to $100 per occurrence. Maximum of two occurrences per twelve-month period.
You will enjoy savings on vision, dental services, and prescriptions. (Registration and activation required) This is not an insurance.
You will receive this discount on a one-year memebership.
Use any ATM, anywhere. Bring us the receipt within 60 days and we’ll pay you back, up to $20 per statement cycle for non-network ATM fees.
You can now use your Wood & Huston Bank Visa® Debit Card with Apple Pay™, Samsung Pay™, and Google Pay™.
When you combine Apple Pay with your Wood & Huston Bank Visa ® Debit Card, you have access to a new level of security and convenience. Simply use your TouchID™ thumbprint or passcode to authorize a purchase. There is no need to share your card number.
How it works
Instead of using your actual credit and debit card numbers, Apply Pay, Samsung Pay, and Google Pay create a unique Device Account Number, encrypting and securely storing it in the Secure Element, a dedicated chip in your device. When you make a purchase, the Device Account Number and a transaction- specific dynamic security code are used to process the payment. Your actual credit or debit card numbers are never shared with merchants or transmitted with payment.
Look for these icons at checkout.
Apple, the Apple logo, iPhone, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.
Google, the Google logo are trademarks of Google LLC, registered in the U.S. and other countries.
Samsung, the Samsung logo are trademarks of South Korea and other countries.
Accessing Your SmartSecure Benefits
Log in using the same username and password you previously set up at IDProtectMe247.com
You will need the Access Code from your New Account Welcome Package or contact us at (877) 886-9041.
Follow the simple step-by-step instructions to register and access all the benefits with your SmartSecure Checking.
Download the Wood & Huston Bank Mobile App. Under “More” click on “My SmartSecure Benefits” at the top of the page. Link up the ClubChecking app from your app store. Sign in or complete registration. Once you have linked the app, you will now be able to access your benefits through your Wood & Huston Bank Mobile Banking App.
Call the Benefits Service Center at (866) 210-0361, Monday – Friday, 8:30 am to 5:00 pm EST, to learn more about your benefits or for assistance with registration and activation.
- Wireless carrier fees may apply.
⨥Registration/activation required.
1 Fee may apply when using Zelle*.
2 Paper statements are optional for $3.00 per month.
3 ATM fee reimbursement limited to $20 per cycle. Present ATM receipts for reimbursement within 60 days of fee charge
4 Benefits are available to personal checking accounts, primary account owner and their joint account owner(s) 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. IDProtect benefits will continue to be available to those eligible family members of existing SmartSecureSM account owners
provided benefits were activated prior to October 1, 2024.
5 Special 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 and/or insurance documents for complete details of coverage and exclusions. Coverage is
provided through the company named in the Guide to Benefit or on the certificate of insurance. Guide to Benefit and insurance documents can be
found online at SmartBenefits.ClubChecking.com or through the Club Checking mobile app. Accidental Death & Dismemberment certificate was
provided with your original program materials. If you wish to name a beneficiary for your Accidental Death and Dismemberment Insurance
coverage, please complete a beneficiary form. If there is no designated beneficiary on file, benefits will be paid according to the Master Policy. As an
eligible account owner, you are enrolled as a member of the Econocheck Association, of which your financial institution is a sponsor. For more
information, please visit SmartBenefits.ClubChecking.com or call 866-210-0361. Insurance Products are not insured by the FDIC or any
Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.
6 Credit Score is a VantageScore 3.0 based on single bureau data. Third parties may use a different VantageScore or a different type of credit score to
assess your creditworthiness. Once you have activated credit file monitoring, you may request your credit score. Once you have done so, you will
have access to your score on a monthly basis.
7 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.