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Premier Perks

Premier Perks is a program that gives you access to valuable identity, fraud and product protection services as well as valuable discounts and rebates on a wide range of products and services. Premier Perks is an enhancement available on qualified checking and savings accounts for a low monthly fee of $5.95. To learn more and add Premier Perks benefits to your account, call United Heritage Credit Union or visit any branch location.


Premier Perks includes:

$10,000 Accidental Death & Dismemberment Insurance1

Members will be insured for up to $10,000 in Accidental Death & Dismemberment Insurance 24 hours a day.  The coverage is divided equally among co-owners of joint accounts and reduces 50% at age 70. Dismemberment benefit is paid as a percentage of the Accidental Death coverage.

Payment Card Protection Service2

Members can protect all their credit, debit, ATM and check cards in the event of loss or theft! As a member you can register your card numbers and get help to cancel cards, stop unauthorized purchases and request new cards using our toll-free 24-hour number. If you are more than 50 miles from home and have reported the cards lost or stolen you have access to an Emergency Cash Advance and Emergency Airline Tickets.

ID NetworkTM Safety Service

Members can register a loved one or their own photo and description with the ID Network Safety Service. They will receive a durable plastic ID card with a photo and description, and a special member number. Should the need arise, members can call the toll-free number on the card, and the ID Network will fax a high-resolution, digitized photo and description of the person anywhere they specify including supporting law enforcement agencies.

Everyday Rebate Rewards3

Members get rewarded for purchases they make every day such as dining, purchasing gas, groceries, clothing, pet supplies and much more. Members get 10% back, up to $20 per quarter, just for sending us their receipts. That’s up to $80 each year!

Everywhere Cash Savings4

As a member, saving has never been easier! Shop online through the Everywhere Cash Savings website and receive cash back on qualifying purchases. Or, select from a wide variety of coupons to use in-store. And with the Savings on Tap® Mobile Coupon app, available for Apple and Android, it’s easy to take your savings with you everywhere you go. Choose from recreation savings, dining specials, auto and home services, and more.

Document & Personal Property Registration Service

Members will receive a form to register their important documents and personal property. Return the completed form and if any of the registered items are lost, stolen or destroyed, simply call the toll-free, 24-hour number to receive a copy of the information registered.

Rx Advantage Prescription Drug Program5

Use your Rx Advantage card at any participating local network pharmacy to enjoy discount pricing on many prescription medications - brand name and generic.

If you have questions about the Rx Advantage program or about participating local network pharmacies in your area, call our toll-free number: 1.800.251.0003.

Click here for a complete list of Frequently Asked Questions.  

Vision Plan5

Valuable eye care savings for the immediate family! Receive discounts on prescription eyeglasses and contacts at participating local network optical providers. You’ll receive your discount at the time of purchase. You can also save on eye exams and laser vision correction surgery at participating local network optical providers. The vision plan benefits can be used as often as you like.

Click here to view a complete list of Frequently Asked Questions

$10,000 ID Theft Insurance6

For victims of identity theft, it can be time-consuming and costly. Members have up to $10,000 in financial compensation for qualified expenses incurred in the recovery of their stolen identity.

Identity Fraud Support Service

In the unfortunate event that identity theft does occur, members will receive guidance in the recovery process. Professional help is available to assist in organizing paperwork, notifying creditors, obtaining legal counsel, and more.

Card Patrol® with Social Security Number Monitoring7

Identity thieves care about two things - stealing personal information and selling it to make money. This sophisticated, real-time, web-crawling technology monitors underground chat rooms, websites and blogs for members' registered credit/debit cards and Social Security number.

Fraud Assist Toolbox

This convenient, online tool helps streamline the identity theft prevention and recovery process. Members can choose to set fraud alerts and stop pre-approved credit offers.

Premier Perks program provided by Affinion Benefits Group, LLC. United Heritage Credit Union membership required. Monthly fee of $5.95. Must be at least 18 years of age. Not available on Teen Checking, Student Savings or Holiday Savings. Value and savings based on member usage. Conditions and restrictions apply.

1Accidental Death Insurance is underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies. The coverage described in this literature may not be available in all jurisdictions. This literature is descriptive only. Actual coverage is subject to the language of the policies as issued. Exclusions and limitations apply. Chubb, Box 1615, Warren, N.J. 07061-1615. This program is administered by Affinion Benefits Group, LLC.

2Some financial institutions may require you to call them directly and will not accept notification from third parties in which case we will contact you so that you can call your financial institution directly. You will be invoiced within 30 days of your request for the amount of the cash and/or cost of the airline ticket.

3At the end of each quarter, send an Everyday Rebate Rewards request form and receipts for up to $200 of purchases to receive 10% back for a total of up to $20 each quarter (up to $80.00 annually). Receipts must be a minimum of at least $10 each quarter and membership must be active at time of purchase and redemption to receive a rebate.

4For cash back rewards, you must access the retailer’s link through the Everywhere Cash Savings website provided. Purchases you make by going directly to a participating merchant’s website do not qualify for cash back. Rewards will be issued automatically via check and mailed within 90 days from date of purchase or when your minimum awards amount reaches $2.00, whichever is later. Visit for complete terms and conditions. Participating merchants may change at any time without notice. Merchant restrictions and limitations are provided through each merchant’s landing page.

5THIS HEALTH DISCOUNT PLAN IS NOT INSURANCE and is not intended to replace health insurance. This health discount plan does not meet the minimum creditable coverage requirements under M.G.L. c. 111M and 956 CMR 5.00. This health discount plan is not a Qualified Health Plan under the Affordable Care Act. This is not a Medicare prescription drug plan. The range of discounts will vary depending on the type of provider and service. The health discount plan does not pay providers directly. Health Discount Plan members must pay for all services but will receive a discount from participating providers. The list of participating providers is at, printed on the membership ID card. A written list of participating providers who have contracted with the health discount plan organization is available upon request. You may cancel within the first 30 days after receipt of membership materials and receive a full refund. Discount Medical Plan Organization and administrator: Careington International Corporation, 7400 Gaylord Parkway, Frisco, TX 75034; phone 800.441.0380.

All health discount plans are administered by Careington International Corporation, a discount medical plan organization. The health discount plan and its administrators have no liability for providing or guaranteeing service or the quality of service rendered. This is NOT Insurance and cannot be used in conjunction with any health insurance. You should check any insurance benefits you have before using this discount plan, as those insurance benefits may result in lower costs to you than using this health discount plan. The health discount plan provides for discount specialty health care services from participating practitioners. You are obligated to pay for all health care services but will receive a discount from those health care practitioners who have contracted with the health discount plan. If your health discount plan does not include the prescriptions discount plan, claims will not be available through this health discount plan. Prescription claims through this health discount plan will not be eligible for reimbursement through Medicaid, Medicare or any other government program. Call the toll-free number on the back of your ID card to file a complaint related to this health discount plan. Participating pharmacies are solely responsible for all professional services that are provided to consumers, and the traditional relationship between practitioner and patient shall in no way be affected or interfered with by the health discount plan. Information presented is general in nature and is not meant to replace the advice of health care professionals. You assume all risk associated with the use of any and all content related to the health discount plan and agree that any decisions made about a health care professional or obtaining care are exclusively your responsibility.

This health discount plan is not available in Iowa, Florida, Nevada, Vermont and Washington.

6The Identity Theft Insurance benefits are provided to all members, along with all other benefits afforded as part of the program, through Financial Services Association (“FSA” or the “Association”). Upon enrollment in the program, you will automatically be admitted as a member of the Association.

The Identity Theft Insurance is underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. (collectively, the “Company”) under group policy # 7077733 for non-New York State Insureds and # 1423212 for New York State Insureds. The Benefit Summary under the master policy issued by the Company with respect to such insurance will be available to you upon enrollment in the program. The summary of policy benefits, terms, conditions, exclusions, and limits of coverage set forth in the Benefit Summary are subject to the terms of the master policy. Availability of coverage is subject to underwriting qualifications and state laws and regulations. Coverage is subject to actual policy language.

7Card Patrol® monitors up to ten registered credit/debit cards and your Social Security number on the Internet, based on an extensive search of directories and Internet chat rooms; however, it is impossible to ensure that all directories and Internet chat rooms have been searched for your personal information. Accordingly, your monitoring alert reports may not contain or apprise you of all your personal information that is publicly available or that may have been compromised. For security, we cannot start Card Patrol® fraud monitoring until this benefit has been activated online.

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