Important Member Notice | As we approach the systems merger with Virginia Credit Union, please be aware of the following important dates and times.
Access to CFCU On-The-Go services, including Net24, Dial24 & Mobile24 will be unavailable after 5pm on Friday, May 29th.
Access to mobile deposit using your Mobile24 Mobile Banking app will be unavailable after 5pm on Thursday, May 28th.
Starting Monday, June 1st, you can re-enroll in home banking on the Virginia Credit Union website.
Three-Bureau Credit Monitoring... plus Cellular Care Coverage... plus Shopping Discounts! You won't find better value anywhere else!

Enhance the value of your membership

Enhance the value of your relationship with Chesterfield Federal Credit Union with a Benefits Plus® Checking Account. For only $6.95 per month, this exciting program allows you to save money on products and services that you use every day, plus gives you peace of mind that you and your family are covered with identity theft protection and cellular care coverage.

You'll also enjoy everything that our Basic Checking account offers, including:

  • Unlimited check writing
  • Free online bill pay
  • Access to over 50,000 free ATMs nationwide
  • Overdraft options available
  • Overdraft Privilege* available up to $700 for eligible accounts

Try Benefits Plus risk-free for 60 days and discover all of the benefits you could receive!

Discover Exciting Benefits

Benefits Plus® is offered through a partnership with one of the leading full service discount providers in the country. Your membership in Benefits Plus® will reap rewards quickly as you save money on travel, entertainment and personal purchases. Benefits include:

Ultimate ID™ Identity Theft Protection1

Protect yourself with the highest quality identity theft protection. Coverage includes:

  • Three-Bureau Credit Monitoring
  • Instant Inquiry Alerts
  • Internet Monitoring
  • Score Tracker
  • Credential Vault
  • Lost Document Replacement Services
  • 3G Fully Managed Identity Fraud Research, Remediation and Recovery Services

$0 Deductible Cellular Care Coverage

Cracked screen? Water damage? Battery repair? It’s all covered for mobile phones up to 2 years old. Best of all, you’re refunded the full repair cost, up to $600 in lifetime coverage2!

Discounted Travel with Cash Back

Enjoy the guaranteed lowest price3 on travel when you book through our certified travel experts! Plus, you’ll receive up to 5% cash back whether you book online or over the phone!

Small Business Savings

Over 300,000 participants across the country offering substantial discounts to our members. You can save on everything from dinner, to home improvements, automotive services, landscaping, professional services, health care, clothing and so much more.

Gift Card & eGift Card Savings

Save on everything you and your family need, want and must have! From clothing, kitchen supplies, hunting & fishing gear to the latest shoes, our program helps you bring it home for less! Save up to 15% on retail gift cards at nationally recognized stores and up to 10% at selected restaurants.

Dining & Entertainment

Relax and enjoy yourself! Go out for a night on the town and save with special discounts from many of your favorite local restaurants, movie theaters, theme parks and more!

Cash-Back Rewards

Earn cash back when shopping online at over 3,000 participating merchants.

Family Benefits4

Savings and even more savings! Family benefits include discounts on office and school supplies, 24-hour emergency road service, grocery coupon club and so much more. You can even enroll up to 5 additional family members who reside more than 25 miles from any Chesterfield Federal Credit Union branch at no additional charge.

90-Day Purchase Protection

Most new purchases you make are automatically covered against loss due to fire damage or theft.

Pharmacy Discounts

Receive valuable health service discounts from thousands of participating pharmacies.

Hearing Care

Members receive substantial savings on hearing services.

Vision Discounts

Members receive substantial savings on glasses, contact lenses and corrective eye surgery.

Dental Plan

Special member rates. There are more than 62,000 participating providers nationwide.

Extended Repair Warranty

Most new consumer merchandise you buy is now covered by an Extended Repair Warranty, which extends the manufacturer’s original warranty for up to one additional year at no additional cost.

Pet Health Insurance5

Save up to 15% on premier medical and wellness plans for your pets. Coverage includes accidents, common illnesses, serious/chronic illnesses, hereditary conditions, procedures/services including surgeries, Rx meds, testing and hospitalization and wellness services.* Best of all, it works with any veterinarian.

Example Monthly Savings

See how much you could save* as a Benefits Plus Checking member:
Ultimate ID™$19.95
Four Movie Tickets$16.00
Four Gift Cards$10.00
Cellular Care Coverage$12.00
Total Savings$57.95

Best of all, you can try Benefits Plus risk-free for 60 days when you open your Benefits Plus Checking Account or convert your Basic Checking to Benefits Plus!

You won't find more protection & benefits at a lower price anywhere!
  • Access Your Benefits
  • Overdraft Privilege
  • Request Info
  • FAQ
  • Open
Access Your Benefits

Make the most of your Benefits Plus® Checking Account

We've provided multiple ways for you to access your Benefits Plus® benefits wherever you are. See below for all of the ways to access your account and claim your benefits.

Access Online

Visit www.benefits-plus.orgOpens in New Window and sign in with your credentials for full access to your account.

Access by Phone

Call us at 866-329-7587 and we can assist you with your benefits.

Access by Mobile

Download our mobile app and take the savings with you! Access many of your benefits on-the-go with the Benefits Plus® Mobile App!

Apple AppStoreGet it on Google Play
Overdraft Privilege

Mistakes will happen. We protect you when they do.

We help protect you from unexpected overdrafts and bounced checks with Overdraft Privilege. Should a check, ACH or recurring debit card transaction attempt to clear your account when you don't have funds available, we may allow the transaction to post, preventing the item from being returned. Your account will have a negative balance and you will be assessed a small fee.

To protect your account from ATM and everyday debit card declined transactions, download our Overdraft Privilege Consent Form.Opens in New Window

BenefitsOpens in New Window

  • Protect yourself from unexpected overdrafts
  • Up to $700.00 in protection
  • $30.00 / item fee per use

Opens in New Window

  • Be a member for 61 days
  • Age 18+
  • Have a checking account
  • No loans more than 30 days past due
  • No charged-off accounts
  • No levies, garnishments or bankruptcies
  • Repay any negative balances within 35 days
* Accounts will be charged an Overdraft Privilege fee of $30.00 / item for handling each overdraft created by check, ACH, Point-of-Sale, ATM withdrawal, in-person withdrawal, or other electronic item that is paid or the Standard Overdraft fee of $30.00 / item for items returned unpaid. An overdrawn balance must be repaid within 35 days. We may not pay items through overdraft privilege if you do not maintain your account in good standing by bringing your account to a positive balance within every thirty-five (35) day period for a minimum of 24 hours, if you default on any loan or other obligation to Chesterfield Federal Credit Union or if your account is subject to any legal or administrative order or levy.
Request Info

Opening an account is easy!

We've made it easy to open a new Benefits Plus® checking account or upgrade your existing checking account to Benefits Plus®!

Just follow these simple steps:

New member?

  1. Determine your eligibility
  2. ReadOpens in New Window our account terms & conditions
  3. DownloadOpens in New Window and complete our membership application
  4. Mail the application, along with a $5.00 opening deposit to:
    Chesterfield Federal Credit Union
    Attn: New Accounts
    P.O. Box 820
    Chesterfield, VA 23832
    Make sure you include a copy of your driver's license. You can also bring your forms & initial deposit to any branch locationOpens in New Window.

Adding a checking account?

  1. Sign on to Net24 Home Banking
  2. Select "open new sub-share"
  3. Follow the prompts to open your new service
  4. EnrollOpens in New Window in Benefit's Plus with this form
  5. Contact usOpens in New Window to ensure your checks and debit cards are ordered.

Upgrading your existing checking account?

  1. Complete our enrollment formOpens in New Window online.
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens any savings, checking or other account, is added as a signer on any account or who signs for a loan.
What this means for you is that when you open any type of account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We will also ask to examine your driver's license or other identifying documents and we will retain copies of documents used to verify your identity.We ask for your understanding as we work to support these efforts to maintain the security of your funds and to protect against terrorist financing. Please speak with a staff member if you have questions or concerns about our identification policies.
1 Your credit monitoring will not begin until you have successfully validated your identity and completed the online activation process.
2 Restrictions apply. Call 866.329.7587 for complete program details.
3 See benefits-plus.orgOpens in New Window for complete details.
4 Some restrictions apply. Additional family members are not eligible for certain benefits including ULTIMATE ID(TM) and Cellular Care Coverage.
5 Premiums vary based on the age of the pet, species, size (as an adult), plan type and state of residence. New illnesses only. Does not include conditions pre-existing to enrollment. Limited hereditary condition coverage after the first year of enrollment. Wellness plans are not available in all states.
*Savings are estimates extracted from various sources. Personal budget and vacation expenditures may be different. The descriptions herein are summaries only and intended for informational purposes only and do not include all terms, conditions and exclusions of the policies described.
Chesterfield Federal Credit Union has selected Generations Gold,Inc. a fully independent third party benefits provider to provide travel and other discounted services on an exclusive basis directly to members. Chesterfield Federal Credit Union assumes no liability for any of the providers in fulfilling their services. All liabilities,claims,damages,and demands are the sole and direct responsibility of Generations Gold,Inc. and its independent service or benefits providers. Discounts received through the Program may not be used in conjunction with any other discounts. Benefits and services available through the Program are subject to change without notice. Not all plans and discounts are available in all areas. Please visit benefits-plus.orgOpens in New Window or call 866.329.7587 for complete Program details. © 2017, Generations Gold,Inc. All rights reserved.