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Benefits Plus

Benefits Plus® is an optional add-on to your River Valley checking account that provides security and savings to your entire family.

Ultimate ID®

Protect your entire family.

  • 3-Bureau Daily Credit Monitoring
  • Enhanced Dark Web Monitoring
  • Credential Vault
  • Instant Inquiry Alert
  • Score Tracker
  • Access to 3G Fully Managed Identity Fraud Research, Remediation and Recovery Services
  • Lost Document Replacement Services
An activation code is required to access ULTIMATE ID®. Activation code will be sent to the email address on file. Credit Monitoring and ULTIMATE ID® program does not begin until you have successfully validated your identity to complete the activation process. Certain restrictions and limitations apply. Visit for complete Terms and Conditions and program eligibility. Please refer to your summary of benefits for program specific information.

Save on more than 500,000 local dining, attractions, activities, shopping, services and more.

  • Instant “Show & Save” redemption from your mobile app
  • Saving in more than 10,000 communities across the US and Canada
  • Best in class special offers, up to 50% off on things you do everyday

Travel Services

Guaranteed lowest published fares available at the time of purchase. Good as Gold Double the Difference Low Price Guarantee.*

Air Travel

  • Guaranteed Lowest Pricing*
  • 3% Cash Back Reward*
  • $100,000.00 Automatic Flight Insurance

Cruises

  • Guaranteed Lowest Pricing*
  • 5% Cash Back Reward*

Hotel Discounts

  • 5% - 50% of Lowest Published Rate.*

Car Rental Discounts

  • 5%-50% Off Lowest Published Rates

Condo Vacations

  • Starting at just $350 for 7 days/7 nights at over 1,000 resort locations
*Visit for details.
Ticket XPress

Exclusive savings of up to 50% and access to the largest online entertainment offers on movie tickets, sporting events, concerts, theme parks, ski resorts, zoos, aquariums, tours and much more!

  • eDelivery
  • eRedemption*
  • No processing fees
*Most products are available for eRedemption. Some exclusions apply.

Health & Wellness

Protect your entire family.

  • Prescriptions*
  • Group Dental Discount Plan**
  • Vision Care***
  • Hearing
*Cash & carry restrictions apply. **Not all plans available in all states. THIS PLAN IS NOT INSURANCE and is not intended to replace insurance. Visit for details. ***Outlook Vision Well Card required. Available for print at benefts-plus.org or mobile app.

Additional Benefits

Cellular Care Coverage Roadside Service Pet Health Services H&R Block Discounts And More!

Monthly Subscription

Simple, Spender & Saver Checking

$7.95/mo

Age 60+ in Senior, Spender or Saver Checking

$4.00/mo

River Valley Credit Union has selected Generations Gold, Inc., a fully independent third-party benefits provider, to provide discounted services directly to Benefits Plus® members. River Valley 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 Benefits Plus® program may not be used in conjunction with any other discounts. Benefits and services available through the program are subject to change without notice. Benefits and services may be subject to additional enrollment, restrictions and limitations or may incur an additional cost. Not all plans and discounts are available in all areas. See or call 1-866-329-7587 for complete program details.

The ULTIMATE ID® program begins when you successfully validate your identity and complete the activation process. The primary and the joint account owner are required to each have their own email address. You will receive an email containing your personal activation code which is required to complete the authentication and enrollment process. The monthly membership fee applies whether or not you activate your 3-Bureau Credit Monitoring. If you do not activate your credit monitoring, you will still be covered by the Restoration Rescue® program begins when you successfully validate your identity. To activate you must click on the link that is provided to you in an activation email. To report an identity theft incident or for assistance obtaining your activation code, please call 1-877-279-6338 and speak with a dedicated ULTIMATE ID® recovery advocate. Certain restrictions and limitations apply. No one can prevent all identity theft.

The Benefits Plus® Membership Fee of $7.95 applies whether or not you activate ULTIMATE ID® and whether or not you use all of its services. ULTIMATE ID® services begin once you successfully validate your identity and complete the activation process. The primary owner and one joint owner of the account are required to each have their own email address for activation. You will receive an email containing your personal activation code which is required to complete the authentication and enrollment process. You must click on the link provided to activate. Please see the ULTIMATE ID® Terms and Conditions at for complete details. No one can prevent all identity theft.