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PERK Checking

We're here for you whether it's helping you earn cash back, saving on travel, protection for your cell phone and so much more!

With the PERK Checking Account, you can save on hotels & motels, rental cars and even entire vacation packages. You will also be provided with safety and security benefits for added peace of mind like Accidental Death and Dismemberment Insurance, Identity Theft Resolution Services, Roadside Assistance, Cell Phone Protection, and the ability to earn Cash Back for a low monthly subscription of $4.95.

You can access all of your benefits and more through our easy to use mobile app and website.

Access benefits at or download the Lux Benefits mobile app.

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Cash Back
Enroll today to earn cash back on your debit and credit card purchases. You can earn on gas, dining, groceries and so much more. Visit to activate your cards. Register all of the cards you use quickly and easily on the website. Once your cards are registered you will automatically earn cash back when you make purchases online or in store at participating merchants. Cash back is automatically received when you shop at a participating merchant online or in store. Earnings are credited monthly to the primary card selected in your profile if your earnings balance is greater than $10.

Cellular Telephone Protection
This service will reimburse the enrolled accountholder for the damage to or theft of eligible Cellular Wireless Telephones up to $600.00 per claim. Coverage is subject to a fifty-dollar ($50.00) co-payment per claim and a maximum of two (2) claims per twelve (12) month period. The maximum benefit limit is $600.00 per claim and $1,200.00 per twelve (12) month period. You must charge your monthly Cellular Wireless Telephone bill to your PERK account. Lease and pay as you go plans are excluded. Other details are in the Guide to Benefit.

CyberScout ® Identity Theft Resolution
If you become a victim of identity theft, call the toll free number, and you will be assigned to a highly qualified fraud specialist who is your single source to help you resolve your problem from start to finish. You save time, avoid frustration and get your problem corrected with the unlimited, one-on-one help of an expert. Call the toll free number and provide the member ID number. Don’t wait, call for advice before you become a victim and go to the member benefit website for valuable news and resources, helping you learn how to stand up against identity theft.

Roadside Assistance
Whenever you travel, you’ll like the secure feeling that you are protected by the Nation Safe Drivers Auto Club. NSD provides real peace-of-mind with the best service and protection available anywhere. 24-hours a day and 7 days a week coverage includes towing up to 15 miles, roadside assistance, delivery of supplies, tire service, battery service, and lockout service. You are entitled to one (1) covered service within a 72 hour period. Covered services not obtained through Nation Safe Drivers are limited to a maximum reimbursement of $50.00. This benefit covers one person per account on an individual account and the accountholder and spouse on a joint account. Maximum of three claims per member per year. Additional charges may apply for delivery of supplies or towing over 15 miles. *Nation Safe Drivers may operate in various states as Nation Motor Club, LLC or Nation Safe Drivers Services, Inc.

Lux Benefits Shopping, Travel & Attraction Discounts
You will have access to a dynamic shopping program that will save you every time you use it. Go to the website or app to find great deals at hundreds of popular merchants and restaurants nationwide. You will find coupons and free shipping offers from top retailers and brands online and also receive discounts in stores and restaurants with mobile or print coupons. You can also save on grocery coupons, attractions, hotels/motels, rental cars and other travel packages.

Travel Assistance Services
Many travel assistance services are included with the above insurance plan and are accessed by simply calling a toll-free number. Also included are valuable medical and emergency assistance services such as medical evacuation and repatriation of remains benefits while traveling more than 100 miles from your home, including abroad. Simply call this toll-free number for support 1.800.243.6124.

$10,000 Accidental Death & Dismemberment Insurance
Coverage is provided immediately at no additional charge. If joint account, total coverage is divided evenly among signers. Coverage includes several additional benefits related to accidental deaths or dismemberment such as coma, seat belt and airbag benefits.

Savings, Security and Protection. Open your account today!