Most of us rely on our smartphones every day, whether for work, staying connected with loved ones, or managing finances. But when the unexpected happens—a cracked screen, water damage, or even theft—replacing or repairing your phone can be expensive.
At Heartland Credit Union, we understand that a broken or stolen cell phone is more than just an inconvenience; it's a financial event. That’s why we offer free Cell Phone Protection with our Beyond Ultimate and Essential Spending accounts.
How It Works:
- Pay your cell phone bill using your Beyond Ultimate or Essential Spending account.
- If your phone is damaged or stolen, we’ll cover repair or replacement cost up to $1,000 per claim (up to two claims per year). Cell Phone Protection covers the primary cell phone and up to two secondary phones listed on the billing statement.
- You pay only a $50 copay—much less than the high deductibles many cell phone insurance plans charge.
Why It’s a Game-Changer:
- Cancel expensive insurance: Say goodbye to monthly premiums and high deductibles with outside providers. The average monthly charge for cell phone insurance for one phone typically ranges from $8 to $15. However, the exact cost usually depends on the type of phone you have. For higher-end smartphones, monthly premiums can be closer to $12 to $15.
- Lower costs: Most cell phone insurance plans have deductibles between $100 and $300, depending on your device. With the free Cell Phone Protection that comes with your Ultimate or Essential account, it's just a flat $50 per claim.
- No extra fees: Cell Phone Protection is free with your Beyond Spending Ultimate or Essential account—no additional costs.
Start Saving Today
Switch to a Beyond Ultimate or Essential Spending account and start taking advantage of this free protection. Visit our website or talk to an HCU representative to get started.
Already have a Beyond Ultimate or Essential Spending account? Download the BaZing app to start taking advantage of the many money-saving benefits that come with your HCU Spending account. In addition to Cell Phone Protection, you have access to ID theft aid, healthcare savings, local and national discounts, and more.
