Products

IDProtect: Identity Theft Protection


Keep Yourself Safe From Fraud And Loss

Associated Checking makes it easy to keep your finances safer with IDProtect. Identity theft is on the rise1, but you can rest easy knowing that you are protected by our comprehensive IDProtect® service.

Get Associated Checking. Click to apply online.



What Is Identity Theft?

Identity theft is a crime in which an imposter gains access to another’s personal information, such as Social Security, credit card numbers, or medical insurance information and uses this information for personal gain. Identity theft might be the result of a lost or stolen purse, stolen mail, documents taken from your trash, a data breach, computer virus or a telephone scam.

It can result in debit and/or credit card fraud and many other types of identity fraud that can drain your financial accounts, ruin your credit, endanger your employment and cost you money to repair.

Get Associated Checking. Click to apply online.


Protect Yourself From Fraud

IDProtect2 provides you with protection against identity theft, including:

  • Identity Fraud Expense Reimbursement Coverage3 – Receive up to $10,000 to help pay expenses, clear your name and repair damaged credit, should you become the victim of identity fraud. (You do not have to register with eClub to receive this insurance coverage and it is available to you in the event you suffer an identity theft incident.)
  • 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 credit and identity are completely restored. (You do not have to register with eClub for this service and it is available to you in the event you suffer an identity theft incident.)
  • Debit and Credit Card Registration – If your debit or credit cards are ever lost or stolen, one toll-free phone call will help you cancel your cards, stop unauthorized use, and request replacements. If unauthorized charges appear on your registered account(s) and the card issuer holds you responsible, IDProtect will pay the amount for which you are liable. (You must register with eClub and register your cards in order to receive this service and benefit.)
  • Total Identity Monitoring – IDProtect’s sophisticated system continually monitors more than 1,000 databases including credit, Social Security, public records, real property records, telephone and many others. If your risk is rated at medium or high, you will be notified of any possible identity compromise. (You must register with eClub and complete authentication in order to activate this benefit.)
  • 3-in-1 Credit File Monitoring – IDProtect will monitor your Equifax, Experian and TransUnion credit files daily, and automatically alert you if key changes occur. (You must register with eClub and complete authentication in order to activate this benefit.)
  • 3-in-1 Credit Report – Request a free, updated credit report every 90 days or upon receipt of alert. Each new report includes an updated single bureau credit score. (You must register with eClub and complete authentication in order to activate this benefit.)
  • Valuable Phone and Web Resources – Learn more about how to protect yourself from identity fraud and get valuable tips on speeding the recovery process at the IDProtect online resource center. (Registration with eClub required.)

Go to www.eClubOnline.net to register with eClub. Refer to your Associated Checking Guide To Benefits booklet for your access code to register and request or activate benefits. To activate by phone, call 1-866-210-0361.

Get Associated Checking. Click to apply online.


Identity Information Management Program

Services designed to address contemporary and emerging fraud issues, including:

  • Resolution of existing issues, suspicion of fraud, and related problems – includes medical identity theft, social media abuses and preparation for settlement of an estate.4
  • Concierge assistance of common personal identity issues – includes assistance with the replacement of lost or stolen documents, protection from fraudsters and preparation during a change of address, and assistance with travel-related identity predicaments.4
  • Specialized measures to defend against identity-related fraud – includes specialized proactive protection against certain demographic groups including deployed military personnel and their family, and those contemplating marriage or divorce as well as assistance to those who have experienced a home or automobile break-in.4

Get Associated Checking. Click to apply online.


1 Javelin Strategy & Research, Identity Fraud Survey Report, March 2015.

2 IDProtect service is a personal identity theft protection service available to personal checking account owners and their joint account owners. The service is available to non-publicly traded businesses and their business owner(s) listed on the account (service not available to employees or authorized signers who are not owners). Service is not available to a “signer” on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member (Fiduciary is not covered).

3 Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. (AIG).The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. See enclosed Description of Coverage.

4 You do not have to register with eClub for these services – they are available to you if, and when, you need them. Call the Benefits Service Center or go online at www.eClubOnline.net to learn more.

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