A woman holding up her broken phone

Cell Phone Protection

Keep your phone and your peace of mind protected.

With CUTX's Cell Phone Protection benefit, you're covered if your phone is stolen or damaged — in the U.S. or while traveling abroad. Whether you're chasing moments with your kids or managing your business on the go, we've got your back when the unexpected happens.



What Does Cell Phone Protection Include?

You likely rely on your phone every day. If something goes wrong, Cell Phone Protection1 through CUTX’s Secure Checking Account or Secure Plus Checking Account can save you from costly repairs.

  • Repair or Replacement Coverage: Get reimbursed for damage or theft, up to $800 per claim with Secure Plus Checking or $300 with Secure Checking.
  • Coverage for Multiple Devices: Coverage for phones listed on the same bill includes up to four phones with Secure Plus Checking and three with Secure Checking.
  • Two Claims per Year: You can make up to two claims per eligible account every 12 months, up to $1000 with Secure Plus Checking or $600 with Secure Checking.
  • $50 Deductible: Just a $50 deductible per approved claim.
  • U.S. and International Coverage: Whether you're at home or abroad, the protection travels with you.
  • Simple Activation Requirement: Your monthly phone bill must be paid using any CUTX account or CUTX credit card.
A phone repair technician holding up a cracked cell phone

How to Use Cell Phone Protection

If your phone is ever stolen or accidentally damaged:

  1. Confirm your phone bill was paid with a CUTX account.
  2. Submit a claim with details and documentation (receipt, repair estimate, etc.).
  3. Pay the $50 deductible.
  4. Get reimbursed for the covered repair or replacement, up to your plan’s limit.

The process is simple — and peace of mind is priceless. Your checking account does more than hold your funds — it protects your digital lifeline.


A Closer Look at Coverage Levels

Both CUTX consumer checking account types offer substantial cell phone protection. But if you rely on multiple devices or have a family plan, Secure Plus Checking offers more robust coverage for only $4 more per month.

Feature Secure Checking Secure Plus Checking
Maximum per Claim $300 $800
Annual Max 2 Claims (up to $600) 2 Claims (up to $1,000)
Devices Covered Up to 3 phones Up to 4 phones
Deductible $50 $50

Secure Checking

  • Maximum per Claim: $300
  • Annual Max: 2 Claims (up to $600)
  • Devices Covered: Up to 3 phones
  • Deductible: $50

Secure Plus Checking

  • Maximum per Claim: $800
  • Annual Max: 2 Claims (up to $1,000)
  • Devices Covered: Up to 4 phones
  • Deductible: $50

Why Cell Phone Protection Matters More Than Ever

Phones aren't just phones, they're your:

  • Wallet
  • Schedule
  • Lifeline in emergencies
  • Connection to work, school, and family

Replacing or repairing a phone can cost hundreds, not to mention the stress.
This benefit helps remove those burdens, offering confidence and financial relief when you need it most.

Who’s Eligible and How to Qualify

To activate Cell Phone Protection:

  • Enroll in a CUTX Secure or Secure Plus Checking account.
  • Pay your cell phone bill with any CUTX account or credit card.

You need no extra app or complicated portal.
It's just more innovative banking with built-in security.

Tip: Always pay your phone bill with a CUTX account to ensure eligibility for protection.

























































Disclaimers


1. 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 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.