IDProtect®

IDProtect® helps to better protect you, your spouse, dependent children up to age 25 and parents living in the same household as the account owner, for any identity fraud event, financial or otherwise, anywhere in the world even if the event has nothing to do with your account at Team One Union.

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.

Fully Managed Recovery
Comprehensive Identity Theft Resolution Services – A dedicated fraud specialist assigned to manage your case. Experienced recovery professionals will handle the recovery process until your identity is restored.

Identity Theft Expense Reimbursement
Up to $10,000 Identity Theft Expense Reimbursement1 to cover expenses associated with restoring your identity, such as reimbursement for costs associated with attorney fees, loan application fees, long distance calls, certified mail and notarized fraud documents, medical record costs, costs for daycare and elder care, travel and accommodations, as well as coverage for wages lost for time taken off work to correct personal records. (Refer to Guide to Benefit for complete details of coverage.)

Monitoring

Identity Monitoring – 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.

Credit File Monitoring2 – daily credit file monitoring and automated alerts of key changes to your Equifax, Experian and TransUnion credit reports.

Credit Report and Score – access to triple-bureau credit reports and single-bureau credit score. Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness.

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. (Registration/activation required.)

Educational Resources/News Center
Get advice on ways to protect yourself from identity theft, read educational tips and access valuable online resources and news related to identity fraud and credit. (Registration/activation required. Available online only.)

Get advice on ways to protect yourself from identity theft, read educational tips and access valuable online resources and news related to identity fraud and credit. (Registration/activation required. Available online only.)
Team One Credit Union’s identity theft protection gives you everything you need to help you recover should you become a victim of identity fraud.
IDProtect®
Identity theft monitoring and resolution service for you, your joint account owners and family3 includes Credit File Monitoring4, Credit Report, Identity Theft Expense Reimbursement Coverage5 and Resolution Service.

All for only $1.95 per month.











1Special 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.
 
2Credit file monitoring may take several days to begin following activation. Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.
 
3Benefits are available to personal checking account owner(s), their joint account owners and their eligible family members subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. 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. 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.
 
4Credit file monitoring may take several days to begin following activation.
 
5Special 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.
 
Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.

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