Identity Theft Recovery Services
If your identity is stolen, we have you covered. A dedicated fraud specialist will manage and resolve suspected or confirmed fraud until completion. Fully Managed Identity Theft Resolution Services cover three generations of your family and include financial and nonfinancial identity theft. In addition, Identity Fraud Expense Reimbursement Insurance covers up to $1,000,000 of your out-of-pocket expenses incurred during the recovery of your identity.*
For more information on Identity Theft Recovery benefits check out some of our most Frequently Asked Questions, or open a Central Plus Checking Account to enjoy this benefit today!
Dark Web Monitoring
Dark Web Monitoring scans the deep and dark web using sophisticated technology and human spies looking for your personal information like an email address, credit card numbers, and even passwords you use. In the event that any of your registered information is detected in this environment as being used or transacted fraudulently, you will be alerted, and provided with corrective actions. This service also provides easy, secure online storage of your credential data for retrieval in the event of theft of a purse or wallet, or home disaster (registration/activation required).*
For more information on Dark Web Monitoring benefits check out some of our most Frequently Asked Questions, or open a Central Plus Checking Account to enjoy this benefit today!
Central Plus Checking Account
Receive all the benefits of an ICCU checking account PLUS more! For a small monthly fee of $7, make life smoother with access to amazing benefits. Open a Central Plus Checking Account today and see why this is more than just any other checking account.
- Free instant-issue Visa Debit Card
- Free mobile & online banking
- Free early access Direct Deposit – get paid up to 2 days early
- Amazing benefits and perks that provide security and convenience
Minimum Balance to Open
$100
Minimum Daily Balance
$0
Monthly Service Fees
$7
Frequently Asked Questions
IDENTITY THEFT RECOVERY SERVICES
What do resolution services provide?
If you become a victim or suspect you might be a victim of identity theft for any reason, we are here to help. Professional, dedicated fraud specialists are standing by and will assist you throughout the fraud resolution process. They will provide you with confirmation of your return to pre-identity theft status and will provide post-recovery follow-up for 12 months.
Do I have to register for this service?
No, this benefit is automatically available to you with your Central Plus Checking Account.
What is an identity theft incident?
An identity theft incident occurs when an unauthorized person uses your personal information to commit fraud. Your personal information includes your name in combination with your Social Security number, account numbers, date of birth, address, email address and state or federal issued ID such as a driver’s license or passport. Types of identity theft may include account fraud, credit/debit card fraud, tax fraud, employment fraud, government documents and benefits fraud, medical fraud, and more.
How do I know if I have been a victim of identity theft?
If you see unfamiliar transactions on your credit card or bank account, you receive statements in the mail from a creditor you don’t recognize, or you find notations on your credit file for debts you did not incur, you may be a victim of identity theft. If you suspect that someone might be using your identity information, it’s always wise to check it out. If it’s a false alarm it will give you peace of mind knowing that your identity is secure. As an eligible checking account holder, you can take advantage of our team of dedicated fraud specialists standing by to help.
Do I need to be able to prove I am a victim of identity theft to be eligible for Resolution services?
No, if you are an eligible checking account holder and you suspect identity theft for any reason, a dedicated fraud specialist is available to you by calling 1-866-210-0361, Monday – Friday, 8:30 a.m. – 5:00 p.m. A dedicated fraud specialist can help to determine if you are a victim of identity theft and if you are not, they can put your mind at ease.
How will I know the status of my case?
As a victim, you will have access to the Resolution Care Center portal where you will create an account and will be able to request a single-bureau credit report. Your personal fraud specialist will keep you informed with case status updates through personal email and phone as well as messages through your Resolution Care Center account.
What qualifications do fraud specialists have?
All of our fraud specialists are based in the United States and have the following qualifications and certifications:
• Fair Credit Reporting Act & Fair and Accurate Credit Transactions Act (FCRA & FACTA) Certified
• Licensed Private Investigators
• Certified Identity Theft Risk Management Specialists (CITRMS XV)
• Certified Identity Protection Advisor (CIPA)
• HIPAA Awareness for Business Associates Certification
DARK WEB MONITORING
What is the dark web?
The dark web is a repository for criminal activity and a marketplace where identities and personal information are traded and sold illegally.
What happens if one of my shared elements is detected in the dark web?
An email alert (and text if activated by you) notification is generated when exposed information found on the dark web matches the information provided by you. You will need to view the alert and let us know if you recognize the alert. If you do not recognize it, a resolution specialist will reach out to provide assistance.
Is there anything I can do to prevent my information being discovered on the dark web?
Unfortunately, there is nothing you can do to keep your information from appearing on the dark web.
Why was an alert sent years ago?
Dark Web Monitoring will provide historical alerts since 2010 based on elements used during the initial enrollment and after that as new activity arises. You will likely get an alert within the first month showing any breaches of information involved in a breach since 2010.
What information is included in the alert?
An alert contains breach-related specific details such as the date compromised, where the information was found, compromised fields and the source of the breach. Most importantly, if you do not recognize the details in the alert, a resolution specialist will reach out to provide assistance.
*Disclosure: Special Program Notes: The description herein is a summary only and does not include all terms, conditions and exclusions of the Benefit described. Please refer to the actual Guide to Benefit for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit. Log in to your ICCU Online or Mobile Banking and connect to your Central Plus Checking benefits for Guide to Benefit. 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.