But there’s another category that often gets overlooked: perk-based checking accounts.
In addition to everyday checking needs, these accounts offer built-in benefits designed to protect you, save you money, and simplify everyday life — especially when the unexpected happens.
Here are five benefits you may not realize are available:
Cell Phone Protection When Accidents Happen
Tip: Phone repairs and deductibles can easily cost $100 or more. Compare your current plan to see if this coverage could save you money.
Roadside Assistance When You’re Stuck
Tip: If you’re already paying for roadside coverage through insurance or a separate service, compare costs — you may be able to bundle and save.
Talk to A Doctor Anytime with Telehealth
Even with employer-provided insurance, healthcare can be expensive, inconvenient, or limited depending on your coverage.Telehealth can offer discounts on prescriptions along with quick, affordable access to medical advice with zero copay, helping you avoid unnecessary trips to urgent care or the doctor’s office.
Tip: Many plans also include mental health support, offering a safe, convenient way to connect with licensed professionals from home.
Peace of Mind for Pet Owners with 24/7 Vet Access
Pet care costs can add up quickly — and not everyone has pet insurance.Some checking accounts offer easy access to veterinary professionals with a zero copay, helping you manage everyday concerns and urgent situations when they come up.
Tip: Some accounts, like First Mid’s Benefits Checking, also include pet concierge services that can help with things like finding trusted groomers, coordinating pet-friendly travel, or helping you find quality care for your pet while you’re away.
Identity Theft Support That Goes Beyond the Basics
Most accounts offer some level of fraud protection, but if something happens, the level of support can make a big difference. Enhanced benefits may include:- Dark web monitoring
- Identity recovery support
- Reimbursement coverage
- Access to personal cyber advocates
Tip: Some programs also include one-on-one financial wellness coaching for added support and guidance. Staying up to date on the latest scams is another smart way to help protect yourself and your finances.
Getting More from Your Checking Account
The best checking account is the one that supports your everyday life and the moments you don’t always plan for — with benefits that fit your needs and how you bank.
That’s part of the thinking behind newer benefits-focused accounts, including First Mid’s Benefits Checking.
“We didn’t cut back on the benefits that really help people day to day. Relationships are at the core of what we do, and that shows up in how we serve our customers,” explains Stas Wolak, Chief Retail Banking Officer at First Mid. “These accounts are designed to cover the things people don’t always plan for — like a flat tire or a broken phone — things that can cost more elsewhere or get skipped altogether. It’s a simple way to be there for those unexpected moments and make life a little easier.”
Tip: For some people, having these types of benefits built into one account can offer extra peace of mind for the things they may not already have covered — while also helping make unexpected moments a little easier to manage.
Every customer’s needs are different, so the best next step is to compare checking account options, review the benefits, understand any fees, and decide what fits your life best.