IDENTITY Theft
- Daily Credit File Monitoring and Automated Alerts
- Up to $10K in Identity Theft Expense Reimbursement Coverage
- Fully Managed Identity Theft Resolution Services
- Identity Monitoring
- INCREASED – Cell Phone Protection
IDENTITY FRAUD
- 1 Credit Bureau Report Every 6 Months
- 1 New Single Credit Bureau Score Every Month
- NEW! Credit Score Tracking
- NEW! Dark Web Monitoring
- NEW! Financial Wellness 360º
IDProtect® – Identity theft monitoring and resolution service1, including:
- Up to $10,000 in Identity Theft Expense Reimbursement Coverage2
- Fully Managed Identity Theft Resolution Services
- Identity Monitoring*
- Debit and Credit Card Registration*
- Credit File Monitoring* – Daily credit file monitoring and automated alerts of key changes to your TransUnion credit report.
ACTIVATION: Credit File Monitoring will be turned on automatically for the primary account owner, provided information has been verified by the Credit Reporting Agency and primary account owner has not previously activated Credit File Monitoring. See ‘How Do I Activate This Valuable Service’ tab for complete details regarding activation for primary account owner and for joint account owner(s) and eligible family members. Must be 18 years or older. Note: An email address must be on file to receive credit file monitoring alerts. - Credit Report* – Request a single bureau credit report every six months or in the event you have suffered an identity theft event and have opened a resolution case.
- Credit Score3* – Access to a new single bureau credit score every month.
NEW! Credit Score Tracker – Receive valuable insight into your credit score3,4. Score Tracker plots your credit score each month on a chart so that you can easily see changes over time, along with score factors that provide insight into what events may have caused your credit score to change at a certain point in time.
NEW! Dark Web Monitoring* – Monitor your personal information on the dark web and receive alerts when your personal information is exposed online with our Dark Web Monitoring identity theft prevention product, also known as cyber monitoring.
NEW! Financial Wellness 360° – Access your financial wellness platform with unlimited one-on-one coaching, interactive courses, videos, booklets, infographics, and more to help maximize financial wellness. (available via mobile and web only)
INCREASED! Cell Phone Protection2 – Receive up to $600 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. $50 deductible applies. Up to two claims and maximum of $1,000 per eligible account, per twelve-month period. Covers up to four phones on a cell phone bill. (Cell phone bill must be paid by a Frankenmuth checking, savings, or credit card account)
*Registration/activation required. Please refer to the Terms & Conditions below for complete details regarding activation of the monitoring services with IDProtect, as well as additional benefit disclosures.
There is a low $3.00 monthly fee for the ID Protect service and this covers you and your family*. The fee will be deducted on the 1st of every month from your checking account, will apply to coverage for the current month and appear on your statement as “IDProtect”.
*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.
Contact us today. Call 989-497-1600 to have IDProtect added to an existing checking account or to open a new checking account and add on ID Protection.
- Log in to Frankenmuth Credit Union Online Banking or Mobile Banking App. If you have not created a Frankenmuth Credit Union Online Banking account – it’s easy – simply contact a Frankenmuth Credit Union representative for assistance by emailing ccenter@frankenmuthcu.org or calling 989-497-1600.
- Access your IDProtect benefits via your Frankenmuth Credit Union Online Banking or Mobile App. Use the drop down/options menu on your checking account and click on “ID Protect”.
- Log in to Frankenmuth Credit Union Online Banking or Mobile Banking App to access your IDProtect® benefits as well as Cell Phone Protection. Use the drop down/options menu on your checking account and click on “ID Protect”.
- Follow the simple step-by-step instructions to confirm activation of your credit file monitoring benefit, and to complete registration and access all the benefits with your IDProtect benefits.
- Once you have completed registration, access benefits through Frankenmuth Credit Union Online Banking.
Those FCU members that qualify also receive up to $10,000 identity fraud expense reimbursement coverage* for expenses associated with restoring your identity.
*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 insurance document. Guide to Benefit and insurance documents can be found online at through your Frankenmuth Online or Mobile Banking or by going directly to frankenmuthcu.clubchecking.com. 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.
The website address for IDProtect is frankenmuthcu.clubchecking.com.
Receive up to $600 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. $50 deductible applies. Up to two claims and maximum of $1,000 per eligible account, per twelve-month period. Covers up to four phones on a cell phone bill. (Cell phone bill must be paid by a Frankenmuth checking, savings, or credit card account.)
*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 insurance document. Guide to Benefit and insurance documents can be found online at through your Frankenmuth Online or Mobile Banking or by going directly to frankenmuthcu.clubchecking.com. 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.
- Log in to Frankenmuth Credit Union Online Banking or Mobile Banking App. If you have not created a Frankenmuth Credit Union Online Banking account – it’s easy – simply contact a Frankenmuth Credit Union representative for assistance by emailing ccenter@frankenmuthcu.org or calling 989-497-1600.
- Access your IDProtect benefits via your Frankenmuth Credit Union Online Banking or Mobile App. Use the drop down/options menu on your checking account and click on “ID Protect”.
- Log in to Frankenmuth Credit Union Online Banking or Mobile Banking App to access your IDProtect® benefits as well as Cell Phone Protection. Use the drop down/options menu on your checking account and click on “ID Protect”.
- Follow the simple step-by-step instructions to confirm activation of your credit file monitoring benefit, and to complete registration and access all the benefits with your IDProtect benefits.
- Once you have completed registration, access benefits through Frankenmuth Credit Union Online Banking.
Toll-free access to a dedicated fraud specialist assigned to manage your case 1-866-210-0361.
No, the coverage is provided to you and your family and is not limited to a particular account number.
If you and/or each of your family members want to have the total ID monitoring, all have to have their own unique email address. But, an email address or even Internet access is not required to have the coverage. **
**Access to the credit file monitoring product is available online only.
Account owners can call the Frankenmuth Credit Union directly, but if you have questions directly related to the benefits and service or have a claim you can call the ID Protect Service Center at 1-866-210-0361.
HAVE QUESTIONS? Call the Benefits Service Center at 1-866-210-0361, Monday – Friday, 8:30 a.m. to 5:00 p.m. (EST), to learn more about your benefits, or for assistance with registration and activation.
Reset your password online from the ID Protect website or call ID Protect at 1-866-210-0361.
You can cancel the service by calling or texting FCU at 989-497-1600 or visiting any one of our branch locations.
Credit File Monitoring – Daily credit file monitoring and automated alerts of key changes to your TransUnion credit report.
ACTIVATION (Primary Account Owner): Effective April 1, 2024, Credit File Monitoring will be turned on for the primary account owner to which this notice is given, provided primary account owner is 18 years of age or older and information has been verified by the Credit Reporting Agency (CRA) and primary account owner has not previously activated credit file monitoring. A unique email address must be on file to receive alerts. To verify activation and to confirm information on file, you will need to complete registration using the instructions found here. Mobile credit alerts may be activated at that time. Mobile fees may apply. If you do not want Credit File Monitoring activated, please contact the Benefits Service Center at (866) 210-0361.
Joint Account Owner(s) and Eligible Family Member(s): Credit File Monitoring will not be turned on for joint account owner(s) or eligible family member(s). Joint account owner(s) and eligible family member(s) see below for instructions on how to access benefits. Credit File Monitoring may take several days to begin following activation. A unique email address must be on file to receive alerts.
WRITTEN INSTRUCTIONS/DISCLOSURE: Under the FACT Act amendments to the Fair Credit Reporting Act, you are entitled to one free annual credit report from each of the three major credit reporting companies in a 12-month period. You authorize the administrator of this Program (Econocheck; “ECC”) and TransUnion (“CRA”) to use your personal information to activate the Credit File Monitoring (“CFM”) services. You understand that in accordance with the Fair Credit Reporting Act, you are authorizing and providing “written instructions” under the Fair Credit Reporting Act to ECC and CRA (and each of their affiliates), to obtain your credit information from your personal credit file maintained by one or more of three nationwide credit reporting agencies and you hereby authorize ECC and CRA (and each of their affiliates) to access your personal credit information in order to (i) confirm your identity and (ii) provide your credit data and the CFM services (credit report, credit score, credit file monitoring) to you related to your use and enjoyment of the service.
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 score rating is generated with your initial scan and monthly thereafter and can be viewed online. If your score reflects a high risk score, a Risk Specialist will follow up with you by phone to discuss the scan.
- ACTIVATION: Identity Monitoring will not be turned on for primary or joint account owner(s) or eligible family member(s). Registration is required to activate this benefit and an active phone number must be on file to receive notice of elevated risk score. Primary account owner, joint account owner(s) and eligible family member(s) may activate by going online. Please see bottom of this letter for additional instructions.
ADDITIONAL DISCLOSURES:
- Benefits 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. Benefits are available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members but are not available to employees or authorized signers who are not owners. Benefits are not available to a “signer” on the account who is not an account owner or to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, Benefits are available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members. For all other fiduciary accounts, Benefits are available to the beneficiary, who must be the primary member, and his or her eligible family members (Fiduciary is not covered). 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.
- 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 insurance document. Guide to Benefit and insurance documents can be found online at through your Frankenmuth Online or Mobile Banking or by going directly to frankenmuthcu.clubchecking.com. 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.
- You will have access to your credit report and score provided your information has been verified by the CRA. Credit score is a VantageScore 3.0 based on Transunion data. Third parties may use a different type of credit score to assess your creditworthiness.
- Credit Score Tracker: Once credit file monitoring has been activated and you have requested your first credit score, you may request a new credit score each month to be plotted on your Credit Score Tracker graph. Monthly email notifications will be sent to let you know when your new score is available.