IDProtect Identity Theft Monitoring & Resolution


121fcu-Guarding-Against-Identity-Theft

You can rest easy knowing that IDProtect*, our identity theft monitoring and resolution service, can help better protect your identity.

IDPROTECT® IDENTITY THEFT MONITORING & RESOLUTION

IDENTITY THEFT EXPENSE REIMBURSEMENT COVERAGE*

Receive up to $10,000 to help pay expenses, clear your name and restore your identity, should you become the victim of identity theft.

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/enrollment required.)

CREDIT FILE MONITORING*

IDProtect will monitor your Equifax, Experian and TransUnion credit files daily, and automatically alert you if key changes occur.
(Registration/enrollment required.)

CREDIT REPORT

Access to triple bureau credit reports and single bureau credit score. Credit Score is a VantageScore 3.0 based on Equifax data.

Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. (Registration/enrollment required.)

IDENTITY MONITORING

Monitoring of over 1,000 databases

(Registration/enrollment required.)

ONLINE IDENTITY THEFT NEWS CENTER AND VALUABLE PHONE AND WEB RESOURCES

Registration/enrollment required.

PROTECTION FROM UNEXPECTED LOSSES

ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE*

Receive up to $10,000 24-hour Accidental Death & Dismemberment Insurance. (Coverage divides equally on joint accounts and reduces by 50% at age 70.)

CELLULAR TELEPHONE PROTECTION*

Receive up to $300 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. $50 deductible applies. Maximum of two claims per year. Covers the first three phones on a cellular telephone bill paid through your checking account. (Cellular telephone bill must be paid through this account.)

DEBIT ADVANTAGE®

  • Buyers Protection* covers items for 90 days from the date of purchase against accidental breakage, fire, or theft.
  • Extended Warranty* extends the U.S. manufacturer’s original written warranty up
    to one full year on most new retail purchases if the warranty is less than five years.
  • (Item(s) must be purchased entirely with eligible account.)

HEALTH CARE SAVINGS

HEALTH DISCOUNT SAVINGS

Enjoy savings on vision, prescriptions and dental services. (Registration/enrollment required.) This is NOT insurance.


*Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable Benefits. Benefits are 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.

*Special 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.

*Credit file monitoring from Experian and TransUnion may take several days to begin following activation.

*See credit union website for details on earning interest, www.121fcu.org/personal/checking.

in Monitoring & Protection
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