Primary account holders - No, credit file monitoring will be automatically activated for primary account holders. Activation will occur within 5 days of account opening unless the account holder is not authenticated by the credit bureau. If the primary account holder fails to authenticate with the bureau, the account holder will receive an email with instructions for activating credit file monitoring.Joint account holders – Yes. Joint account holders will go to AcademyBank.ClubChecking.com and follow instructions received at account opening to activate credit file monitoring.