We are trying to breathe life into our club account with some advertising in newpapers. It is a simple checking account with no interest or transaction limits. I know we need to disclose the minimum opening balance, the monthly service fee, the offsets for direct deposit and debit card activity, but what about the identity theft protection and cellular telephone insurance?

Can we simply list the benefits and say contact us for details? The features have a lot of small print, but we do not want to scare people away.