Identity theft can happen to anyone. Keep yourself safe with the help of our identity protection solution.
IDProtect – Identity theft monitoring and resolution service for you, your joint account holders, and eligible family members1 includes:
Identity Theft Expense Reimbursement Coverage2
Receive up to $10,000 to help pay expenses, clear your name and restore your identity, should you become the victim of identity fraud.
Comprehensive Identity Theft Resolution Services
Should you suffer identity theft, your very own IDProtect fraud resolution specialist will help you every step of the way until your identity is restored.
Debit and Credit Card Registration
Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards should your cards become lost or stolen. (Registration/activation required.)
3-in-1 Credit File Monitoring3
IDProtect will monitor your Equifax, Experian and TransUnion credit files daily, and automatically alert you if key changes occur. (Registration/activation required.)
3-in-1 Credit Report
Request an updated credit report every 90 days or upon receipt of alert. Each new report includes an updated single bureau credit score. Credit Score is a VantageScore 3.0 based on Equifax data. Third parties may use a di?erent type of credit score to assess your creditworthiness. (Registration/activation required.)
Monitoring of more than 1,000 databases and public records to identify suspicious activity, including credit header information, phone records, United States Postal Service records, and more. A risk rating is generated with each monthly scan and if your scan reflects a high-risk score, you will be notified. (Registration/activation may be required.)
Online Identity Theft News Center and Valuable Phone and Web Resources
1IDProtect service is a personal identity theft protection service available to personal checking account owner(s), their joint account owners and their eligible family members. The service is not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.
2Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance.
3Credit file monitoring from Experian and TransUnion will take several days to begin following activation.
Introduction to Identity Theft
View this video provided by the Federal Trade Commission: Avoid ID Theft
Protecting Your Identity
The number of Americans who have experienced identity theft has surpassed 27 million, with the incidence rate increasing every year. Substantial measures are in place at your bank to protect your identity and your accounts against theft and fraud. For example, stringent bank privacy policies protect your personal and financial information. Password protection for online transactions help assure online security. When using our online services, you develop a secret password that only you know. Encryption of online transactions with your bank converts your information into secure code, protecting you against hackers.
Maximum security is possible only with your help. Here's what you can do to stop these crimes before they happen:
- Do not give out financial information such as checking and credit card numbers, or your Social Security number, unless you know the person or organization.
- Report lost or stolen check immediately. Your bank will block payment on them.
- Notify your banker of suspicious phone inquiries such as those asking for account information to "verify a statement" or "award a prize."
- Closely guard your ATM Personal Identification Number and ATM receipts.
- Shred any financial solicitations and bank statements before disposing of them.
- Put outgoing mail into a secure, official Postal Service collection box.
- If regular bills fail to reach you, call the company to find out why.
- If your bills include questionable items, don't ignore them. Instead, investigate immediately to head off any possible fraud.
- Periodically contact the major credit reporting companies to review your file and make certain the information is correct.
Credit Reporting Bureaus
Place a fraud alert: 1-888-766-0008
Order a credit report: 1-800-685-1111
Place a fraud alert: 1-888-397-3742
Order a credit report: 1-888-397-3742
Place a fraud alert: 1-800-680-7289
Order a credit report: 1-800-888-4213
The bottom line: If you have any questions or concerns about protecting your financial identity, come in and visit your banker.
Fact Act and Free Credit Reports
The Fair and Accurate Credit Transactions Act (FACT Act) will help reduce identity theft according to Congress and the Federal Trade Commission. For example, one provision requires the three major credit-reporting agencies to provide consumers with a free copy of their own credit report.
Another provision to help prevent identity theft is the National Fraud Alert System. Consumers who reasonably suspect they have been or may be victimized by identity theft, or who are military personnel on active duty away from home, can place an alert on their credit files. The alert will put potential creditors on notice that they must proceed with caution when granting credit.
Other measures will help consumers recover their credit reputation after they have been victimized:
- Credit reporting agencies must stop reporting allegedly fraudulent account information when a customer establishes that he or she has been the victim of identity theft.
- Creditors or businesses must provide copies of business records or fraudulent accounts or transactions related to them. This information can assist victims in proving that they are, in fact, victims.
- Consumers will be allowed to report accounts affected by identity theft directly to creditors — in addition to credit reporting agencies — to prevent the spread of erroneous information.
How to Obtain a Free Credit Report:
Visit www.annualcreditreport.com or call 877-322-8228.