Cellular Telephone Protection applies when you make your monthly cell phone bill payment with your activated Betterment Visa Debit Card. Coverage begins the first day of the calendar month following a full payment of the cell phone bill and remains in effect until the last day of the calendar month following payment. For example, if your cell phone bill is due on August 15th, and you pay it on that day using your Betterment Visa Debit Card, coverage begins on September 1st. Content and ...