List of Debit Cards & Bank Accounts With Cell Phone Protection Benefits

peBig thanks to reader TheGreatHambino who created a list of debit cards and bank accounts that come with cell phone protection. This is relevant for the increasing number of cellular providers who only offer their autopay discount when paying with debit card or bank account.

I’ve added some more with reader input. Please share in the comments below if you know of any other accounts or methods to get cellular protection and keeping the autopay discount.

Contents
PenFed Credit Union (nationwide)
- Up to $500 per incident, max $1,000 per year; $50 deductible
- Must pay your monthly wireless bill with PenFed debit card
- Free checking account includes the benefit
- Check out this PenFed bank bonus
GreenFi (formerly Aspiration) (nationwide)
- $600 phone protection when you pay monthly bill with the GreenFi debit card
- Cannot open if you ever closed a prior GreenFi or Aspiration account
- “Pay what you want” checking account
CUTX – Credit Union of Texas (nationwide)
- “Secure Checking”: up to $300/claim, $600/year (3 phones)
- “Secure Plus”: up to $800/claim, $1,000/year (4 phones), $50 deductible
- Bill must be paid via CUTX account
- Secure Plus has $10 monthly fee (waived for veterans and first responders)
- ReferLive promotion available
FSCU – First Service Credit Union (TX; nationwide via donation)
- “Power Up” benefits: up to 4 phones, $800 per claim, 2 claims/year, $50 deductible
- Bill must be paid through FSCU account
- $9 monthly fee (cannot be waived)
SoFi Money
- When you pay your cell phone bill with SoFi Mastercard debit card, you’ll receive up to $200 per claim, $25 deductible, up to 2 claims per year.
Hughs FCU (nationwide with donation?)
- Direct Link | Who Can Join
- Cell phone coverage, up to $600 (per membership account per lifetime on phone two (2) years old or less)
NIH FCU (nationwide with donation?)
- Direct Link
- Cell Phone Protection – Up to $600 of replacement or repair costs if your cell phone is stolen or damaged. $50 deductible applies. Up to 2 claims and maximum of $1,000 per eligible account, per 12-month period. Covers up to four phones on your bill.
- $20,000 balance to waive monthly fee
Kinecta (CA, FL, IL, NY, TX)
- ProtectPlus checking account ($10k min balance) has cell phone protection.
- $600/claim, $1000 annual max, $50 deductible.
- https://www.kinecta.org/protectplus
BankPlus (MI)
- ValuePlus Checking, ValuePlus Interest Checking or ValuePlus Student Checking have cell phone protection as part of “BaZing Benefits”.
- $600/claim, $1200 annual max.
- https://www.bankplus.net/personal/bank/products/checking/bazing-benefits
Berkshire (MA, NY, CT, RI, VT)
- Direct Link
- $800 cell phone coverage
- $300 sign up bonus and $360 streaming credits ($2,000 direct deposit requirement)
Guardian Credit Union (AL)
- Up to $800 per claim, $1,000 per year, $50 deductible
- Unlimited lines covered if bill paid with debit card
- Free checking account includes the benefit
P1FCU (WA, ID, OR)
- Up to $600 per claim, max $1,000 per 12 months, $200 deductible
- Must pay wireless bill with P1FCU Debit Mastercard
- Free checking account includes the benefit
Cardinal Credit Union (OH)
- “Advantage Checking”: covers up to 3 lines
- Up to $600 per claim, $1,200 per year, $50 deductible
- Monthly wireless bill must be charged to account
- $6 monthly fee
Rio Grande Credit Union (NM)
- Up to $500 per incident ($50 deductible) for debit card users
- Eligibility begins after 30 days of first bill payment
- Free checking account includes the benefit
Ent Credit Union (CO)
- “Ent Protect” add-on ($4.99/month) includes cell phone and ID fraud protection
- Up to $500 per claim
- Paid add-on (not free with debit use)
North Shore Bank (WI)
- Up to $600 per incident, $1,000 per year when paid with Platinum Debit Card
- $20 maintenance fee
Mountain America Credit Union (UT)
- Direct Link
- MyStyle Checking offers $850 of protection (up to two claims a year)
- $7 monthly fee is waived with 20 debit card uses or for those age 60+
- There is a new account bonus through 12/31/25 for $150 (promo code SKIER150)
- It may be restricted to Utah (see this comment)