IDProtect - Identity Theft Protection

Identity Theft Protection

Banterra Bank is proud to partner with IDProtect^®¹ to offer an identity theft protection program for our customers. With IDProtect, you can take a proactive approach to help prevent identity theft before it becomes a problem. Through active monitoring, fraud can be detected faster to save you from becoming a victim. Identity theft victims also have access to resolution services to make sure your identity theft is restored. Schedule an appointment at your local Banterra Bank branch to speak with our team about IDProtect.

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How IDProtect Helps Detect Identity Theft

Taking a proactive approach to identity theft prevention can be critical to stopping criminals before they can get started. IDProtect uses services that include:

Credit File Monitoring – Daily credit file monitoring and automated alerts of key changes to your TransUnion credit report. Primary account holders will have their credit file monitoring automatically activated but will still need to register to see their alerts. (registration/activation required)
Credit Report - Request single bureau report every six months or upon receipt of credit alert. (registration/activation required).
Credit Score² - Ability to request a single bureau score every month. (registration/activation required)
Identity Monitoring – Continuous monitoring of over 1,000 databases. (registration/activation required)
Dark Web Monitoring – Monitoring of your personal information on the dark web and receiving alerts when your personal information is exposed online. (registration/activation required)
Financial Wellness 360 – Unlimited one-on-one coaching, interactive courses, videos, booklets, infographics, and more to help maximize financial wellness. (Available via web or mobile only)

IDProtect’s Identity Theft Resolution Services

When your identity has been stolen, you need assistance. IDProtect has identity theft resolution specialists who will be your advocate with services that include:

Debit and Credit Card Registration – Register your credit, debit, and ATM cards, and you can call one toll-free number to cancel and request replacement cards if they become lost or stolen. (registration/activation required)
Fully-Managed Identity Theft Resolution Service – Access to a dedicated consumer fraud specialist, assigned specifically to your case, who will work with you until your identity is completely restored.
Up To $10,000 Identity Fraud Expense Reimbursement Coverage³ – Coverage for expenses to help clear your name and help repair damaged credit, including attorney fees, long distance calls, certified mail as well as coverage for lost wages as a result of taking time off work.

¹ Benefits are available to personal checking account owner(s), and their joint account owners 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.

² 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. Once you have activated credit file monitoring, you may request your credit score.

³ 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. Insurance Products are not insured by the FDIC or any Federal Government Agency; Not a deposit of or guaranteed by the bank or any bank affiliate.