8 Steps to Protect Against Credit Card Fraud

Secure purchasesIn light of recent retailer data breaches and with credit and debit card fraud becoming more frequent, be sure to read and follow these 8 steps to protect yourself and your identity from being stolen.

1. Be sure to get a new replacement credit or debit card if yours was compromised. If you suspect fraudulent transactions on your card and your financial institution hasn’t contacted you or provided you with a replacement card – be sure to call and request one.

2. Check your bank account register and credit card activity online to see whether your card was used at Home Depot or at any other place that was recently hacked. Don’t wait for your print statement to come in the mail; check the latest account activity digitally by signing up for online access to your account information or by using a mobile banking app. Also watch out for changes to your debit card PIN.

3. Be alert for post-breach phishing attempts. Hackers don’t always get everything they need to break into your accounts, so they will typically send you e-mails or even call on the phone and pose as your bank or card issuer to try to trick you into giving up the missing pieces, including mother’s maiden name, account username and password, date of birth, and Social Security Number. Do not give this information out – your bank will never call, text, or email you for the information you already provided when you opened your account.

4. Lock down your credit report with a security freeze, which essentially shuts off access to your credit history by new would-be lenders. If a hacker applies for a loan in your name, the creditor is less likely to approve it if he or she can’t see your credit file. Freezes are typically free for victims of identity theft, which you are if you paid with plastic at Home Depot between April and September of this year.

5. Get as many as 18 free credit reports per year so you can regularly monitor them and keep an eye out for fraudulent new accounts. You can get three free credit reports (one from each credit bureau) from annualcreditreport.com and three more in many states that also mandate free annual reports.

You’re also entitled to a free credit report from each bureau after you file a 90-day fraud alert, which you should do every 90 days if you’ve been a victim of the Home Depot or other data breach, or have a good-faith suspicion that you’re about to become a victim of identity fraud.

6. Ask merchants big or small if they’re PCI-DSS compliant. If they don’t know or have not even heard of this most basic of data security measures, pay with a credit card, rather than debit card, because fraud theft from your checking account/debit card can set off a cascade of headaches, including penalty fees for bounced checks or insufficient funds.

7. Change your passwords regularly on your various financial accounts and use strong passwords to thwart hackers and protect yourself online.

8. Don’t panic, but take the breach threat seriously, because this problem is now a fact of life until the big payment card brands, banks, and retailers improve the security of payment processing systems in the U.S.

Don’t wait until it’s too late! Check out First Financial’s ID Theft Protection products – with our Fully Managed Identity Recovery services, you don’t need to worry. A professional Recovery Advocate will do the work on your behalf, based on a plan that you approve. Should you experience an Identity Theft incident, your Recovery Advocate will stick with you all along the way – and will be there for you until your good name is restored and you can try it FREE for 90 days!*

Our ID Theft Protection options may include some of the following services, based on the package you choose to enroll in: Lost Document Replacement, Credit Bureau Monitoring, Score Tracker, and Three-Generation Family Benefit. To learn more about our ID Theft Protection products, click here and enroll today!**

*Available for new enrollments only. After the free trial of 90 days, the member must contact the Credit Union to opt-out of ID Theft Protection or the monthly fee of $4.95 will automatically be deducted out of the base savings account or $8.95 will be deducted out of the First Protection Checking account (depending upon the coverage option selected), on a monthly basis or until the member opts out of the program. 

**Identity Theft insurance underwritten by subsidiaries or affiliates of Chartis Inc. 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.

Article Source: Jeff Blyskal for Fox Business, http://www.foxbusiness.com/personal-finance/2014/09/23/steps-to-protect-against-credit-card-fraud/

 

IRS Warning About Phone Scams

scamThe Internal Revenue Service and the Treasury Inspector General for Tax Administration (TIGTA) continue to hear from taxpayers who have received unsolicited calls from individuals demanding payment while fraudulently claiming to be from the IRS.

Based on the 90,000 complaints that TIGTA has received through its telephone hotline, to date, TIGTA has identified approximately 1,100 victims who have lost an estimated $5 million from these scams.

“There are clear warning signs about these scams, which continue at high levels throughout the nation,” said IRS Commissioner John Koskinen. “Taxpayers should remember their first contact with the IRS will not be a call from out of the blue, but through official correspondence sent through the mail. A big red flag for these scams are angry, threatening calls from people who say they are from the IRS and urging immediate payment. This is not how we operate. People should hang up immediately and contact TIGTA or the IRS.”

Additionally, it is important for taxpayers to know that the IRS:

  • Never asks for credit card, debit card, or prepaid card information over the telephone.
  • Never insists that taxpayers use a specific payment method to pay tax obligations
  • Never requests immediate payment over the telephone and will not take enforcement action immediately following a phone conversation. Taxpayers usually receive prior notification of IRS enforcement action involving IRS tax liens or levies.

Potential phone scam victims may be told that they owe money that must be paid immediately to the IRS or they are entitled to big refunds. When unsuccessful the first time, sometimes phone scammers call back trying a new strategy.

Other characteristics of these scams include:

  • Scammers use fake names and IRS badge numbers. They generally use common names and surnames to identify themselves.
  • Scammers may be able to recite the last four digits of a victim’s Social Security number.
  • Scammers spoof the IRS toll-free number on caller ID to make it appear that it’s the IRS calling.
  • Scammers sometimes send bogus IRS emails to some victims to support their bogus calls.
  • Victims hear background noise of other calls being conducted to mimic a call site.
  • After threatening victims with jail time or driver’s license revocation, scammers hang up and others soon call back pretending to be from the local police or DMV, and the caller ID supports their claim.

If you get a phone call from someone claiming to be from the IRS, here’s what you should do:

  • If you know you owe taxes or you think you might owe taxes, call the IRS at 1.800.829.1040. The IRS employees at that line can help you with a payment issue, if there really is such an issue.
  • If you know you don’t owe taxes or have no reason to think that you owe any taxes (for example, you’ve never received a bill or the caller made some bogus threats as described above), then call and report the incident to TIGTA at 1.800.366.4484.
  • You can file a complaint using the FTC Complaint Assistant; choose “Other” and then “Imposter Scams.” If the complaint involves someone impersonating the IRS, include the words “IRS Telephone Scam” in the notes.

Taxpayers should be aware that there are other unrelated scams (such as a lottery sweepstakes) and solicitations (such as debt relief), that also fraudulently claim to be from the IRS.

The IRS encourages taxpayers to be vigilant against phone and email scams that use the IRS as a lure. The IRS does not initiate contact with taxpayers by email to request personal or financial information. This includes any type of electronic communication, such as text messages and social media channels. The IRS also does not ask for PINs, passwords or similar confidential access information for credit card, bank or other financial accounts. Recipients should not open any attachments or click on any links contained in the message. Instead, forward the email to phishing@irs.gov.

For more information or to report a scam, go to www.irs.gov and type “scam” in the search box. More information on how to report phishing scams involving the IRS is available on the genuine IRS website, IRS.gov.

A Message for Members Regarding Account Security Following Home Depot Data Breach

??????????????Home Depot is officially the latest big retailer to suffer a payment data breach, the company confirmed on 9/8/14. It’s unclear how many customers were affected, but Home Depot said the breach could have hit customers who used debit or credit cards at its U.S. and Canadian stores from April 2014 forward.

The company released few other details in its statement as it continues to determine the full scope, scale and impact of the breach. At this point there is no evidence that debit PIN numbers were compromised, and the breach doesn’t appear to have affected physical stores in Mexico or HomeDepot.com.

Naturally, this latest data breach has created inquiry from First Financial members regarding the security of their credit and debit card accounts.

We want to assure members that your accounts with us are monitored 24/7 by an experienced team of security professionals for any suspicious or potentially fraudulent activity. First Financial employs the most advanced fraud detection and prevention technology to guard members’ credit and debit accounts against unauthorized access and use. Here’s a quick update for your peace of mind:

  • If our security team observes any unusual activity on member accounts, we will contact members immediately to determine whether the transaction activity is legitimate and authorized.
  • It is also a good practice for members to keep a watchful eye on their accounts and transactions and look for any unauthorized activity or purchases.

Don’t wait until it’s too late! Check out First Financial’s ID Theft Protection products – with our Fully Managed Identity Recovery services, you don’t need to worry. A professional Recovery Advocate will do the work on your behalf, based on a plan that you approve. Should you experience an Identity Theft incident, your Recovery Advocate will stick with you all along the way – and will be there for you until your good name is restored and you can try it FREE for 90 days!*

Our ID Theft Protection options may include some of the following services, based on the package you choose to enroll in: Lost Document Replacement, Credit Bureau Monitoring, Score Tracker, and Three-Generation Family Benefit. To learn more about our ID Theft Protection products, click here and enroll today!**

*Available for new enrollments only. After the free trial of 90 days, the member must contact the Credit Union to opt-out of ID Theft Protection or the monthly fee of $4.95 will automatically be deducted out of the base savings account or $8.95 will be deducted out of the First Protection Checking account (depending upon the coverage option selected), on a monthly basis or until the member opts out of the program. **Identity Theft insurance underwritten by subsidiaries or affiliates of Chartis Inc. 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.

We will continue to monitor all members’ accounts for suspicious activity. If you have any additional questions or concerns, please give us a call at 866.750.0100 or email us at info@firstffcu.com. Thank you for being a valued member of First Financial.

Article Source: http://www.nbcnews.com/tech/security/home-depot-confirms-credit-card-data-breach-n198621

 

ID Theft Risks That Lurk in Your Child’s Backpack

Girl walking away from School Bus while texting on her phoneWhile you’re out searching for the perfect back-to-school backpack for your child, the more important consideration other than style, size, and color should be — what can happen if a dishonest person gets a hold of it? The things your child carries in his or her backpack can become a huge financial headache if they fall into the wrong hands.

With identity-related crimes at historic levels, the odds are better than ever that a dishonest person will know the basics of taking advantage of the kinds of personally identifiable information, sensitive data (like passwords and credit card numbers), and the many other keys to your household economy that can lurk in your child’s backpack.

Here’s a short list of what a relatively creative thief might find in your child’s backpack, and what you can do to prevent the worst from happening.

1. A Smartphone

While obvious to you (hopefully), does your child understand the serious potential for disaster that a walk-about smartphone can bring to your doorstep?

It can be as simple as a scammer dialing 611 and ordering new services. Chances are good that there’s enough information in your child’s backpack for a motivated thief to get your name and thus the keys to your telephonic kingdom.

But there are other identity indignities that can be done. Many people store user name and password information on the Notes app of their phones. The Notes may contain other informational cracks and crevices as well and open up unsuspecting third parties — relatives and friends — to scams. Email scams, grandparent scams, an iTunes or apps shopping spree, malware installation — so many tidbits to exploit.

What to do: Talk to your kids about the dangers of an unsecured phone and discuss basic data storage details with them — like what information shouldn’t be on their phones. Is the phone locked with a passcode? It should be! Also have them set strong (think creatively alpha-numeric) passwords, and a Find Me app to erase the contents should the device fall into the wrong hands.

2. Their Laptop

You don’t need to be a movie buff to know that a computer is a dangerous thing in the wrong hands. Most issues associated with a lost phone come to bear here as well. Emails can be sent to relatives or strangers in the service of stealing money or wreaking havoc.

Beyond the irresistible cornucopia of files that may well be saved on the device, email is a treasure trove of personally identifiable information — everything from credit card numbers to more data like name, address, email addresses and birthdays — pieces of a puzzle that can be assembled to present a believable story to a customer service representative and then steal valuable goods and services, or used as a fly trap to accumulate even more personally identifiable information.

Does your child have access to your Netflix account? How about Amazon or iTunes? Where else have they gone in cyberspace that might have their information — or yours? Open social media sites that are set to login automatically afford a wide vista of scamming opportunities too.

What to do: Make sure your child gets into the habit of logging out of all their online accounts, and that they don’t store sensitive information on their laptops. Talk to them about the wisdom of not saving user ID and password information, and how to make a good one. Finally, have your child set a password — shared with you — to protect their device against the wrong person accessing it.

3. Keys and Name Tags

So, this is pretty straightforward: If your child uses a karabiner to attach his or her keys to their backpack, you’ve got a potential robbery waiting to happen.

Additionally, there are apps that can allow a fraudster (as well as a person who might want to use the app to avoid unnecessary inconvenience) to make a copy of a key that a locksmith can duplicate.

What to do: Tell your child to keep the keys to your home in their pocket rather than on their back.

4. Gaming Device

Playstation Vita is a popular gaming device — and not the only device that could cause you a world of woe should it fall into the wrong hands — but we’ll single it out for the sake of illustration.

The good news: Your personally identifiable information is safe even if someone grabs the device, because it’s password-protected and associated with your gamer’s access to the network.

That doesn’t mean that a bad player can’t do some damage. First, they can play games and wreck your child’s sterling reputation in the community. Worse: Whoever has that device can buy games and run up a hefty bill. One-click purchased games are something any malicious third party can rack up in the way of a very expensive just-because crime.

What to do: Have your child set a passcode for access to the device and make sure they share it with you.

When it comes to data security, best practices are universal. It’s your job to pass on what your kids need to know to stay safe and keep your family out of the crosshairs of ID theft.

To cover all your financial bases, enroll in one of our First Financial’s ID Theft Protection product plans – with our Fully Managed Identity Recovery services, you don’t need to worry. A professional Recovery Advocate will do the work on your behalf, based on a plan that you approve. Should you experience an Identity Theft incident, your Recovery Advocate will stick with you all along the way – and will be there for you until your good name is restored.

Our ID Theft Protection options may include some of the following services, based on the package you choose to enroll in: Lost Document Replacement, Credit Bureau Monitoring, Score Tracker, and Three-Generation Family Benefit.* To learn more about our ID Theft Protection products, click here and find out how you can enroll today – as well as get started with your first 90 days free!**

*Identity Theft insurance underwritten by subsidiaries or affiliates of Chartis Inc. 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.

**Available for new enrollments only. After the free trial of 90 days, the member must contact the Credit Union to opt-out of ID Theft Protection or the monthly fee of $4.95 will automatically be deducted out of the base savings account or $8.95 will be deducted out of the First Protection Checking account (depending upon the coverage option selected), on a monthly basis or until the member opts out of the program.

Article Source: Adam Levin for Credit.com, http://www.today.com/parents/identity-theft-risks-lurk-your-kids-backpack-1D80042370

What’s New? EMV Chip Card Technology FAQs

emv_chip_2The days of the credit card’s magnetic stripe appear numbered, with special-chip, or EMV, credit cards poised to immigrate onto America’s payments landscape. EMV-enabled cards, named for developers Europay, MasterCard and Visa, have an embedded microprocessor chip that encrypts transaction data differently for each purchase. Some chip cards require a personal identification number to complete a transaction, while others only require a signature. EMV is widely used in Europe and Asia and is steadily being adopted as the standard type of credit card worldwide. Everywhere, that is, except the U.S. – but maybe not for long.

What is EMV?
EMV chip technology is becoming the global standard for credit card and debit card payments. Named after its original developers (Europay, MasterCard® and Visa®), this smart chip technology features payment instruments (cards, mobile phones, etc.) with embedded microprocessor chips that store and protect cardholder data. This standard has many names worldwide and may also be referred to as: “chip and PIN” or “chip and signature.”

What is chip technology?
Chip technology is an evolution in our payment system that will help increase security, reduce identity theft and fraud and enable the use of future value-added applications. Chip cards are standard bank cards that are embedded with a micro computer chip. Some may require a PIN instead of a signature to complete the transaction process.

How does EMV chip technology work?
The EMV-enabled device will communicate with the chip inside the smart card to determine whether or not the card is authentic. Generally, the terminal will prompt the cardholder to sign or enter a PIN to validate their identity. This process enhances the authentication of both the card and cardholder, effectively reducing the possibility that a business will accept a counterfeit card or be held liable for a fraud-related chargeback.

What makes EMV different than the traditional magnetic stripe card payment?Simply put, EMV (also referred to as chip-and-PIN, chip-and-signature, chip-and-choice, or generally as chip technology) is the most recent advancement in a global initiative to combat fraud and protect sensitive payment data in the card-present environment. A cardholder’s confidential data is more secure on a chip-enabled payment card than on a magnetic stripe (magstripe) card, as the former supports dynamic authentication, while the latter does not (the data is static). Consequently, data from a traditional magstripe card can be copied (skimmed) with a simple and inexpensive card reading device – enabling criminals to reproduce counterfeit cards for use in both the retail and the CNP environment. Chip (EMV) technology is effective in combating counterfeit fraud with its dynamic authentication capabilities (dynamic values existing within the chip itself that, when verified by the point-of-sale device, ensure the authenticity of the card).

What other incentives are there to accept chip cards?
In addition to the reduction of fraud and related chargebacks, there are other cost savings associated with EMV acceptance. The payment brands are doing their part to ensure that chip-bearing customers can pay at chip-enabled businesses. For example, Visa and MasterCard have issued upcoming rules and guidelines for processors and merchants to support EMV chip technology. Another Visa and MasterCard ruling is the liability shift. Once this goes into effect, merchants who have not made the investment in chip-enabled technology may be held financially liable for card-present fraud that could have been prevented with the use of a chip-enabled POS system.

Is this technology unique to the United States?
No. The chip technology standard for payment was first used in France in 1992. Today, there are more than 1 billion chip cards used around the world. The U.S. is one of the few industrialized nations that have not fully transitioned to this technology standard.

Why invest in chip card acceptance now?
Preventing the growth of fraudulent activity is one of the main reasons the industry is moving toward EMV technology. Chip cards make it difficult for fraud organizations to target cardholders and businesses alike. As a result, more and more chip cards are being introduced by U.S. financial institutions in order to support and switch over to this technology.

To cover all your financial bases, enroll in one of our First Financial’s ID Theft Protection product plans – with our Fully Managed Identity Recovery services, you don’t need to worry. A professional Recovery Advocate will do the work on your behalf, based on a plan that you approve. Should you experience an Identity Theft incident, your Recovery Advocate will stick with you all along the way – and will be there for you until your good name is restored.

Our ID Theft Protection options may include some of the following services, based on the package you choose to enroll in: Lost Document Replacement, Credit Bureau Monitoring, Score Tracker, and Three-Generation Family Benefit.* To learn more about our ID Theft Protection products, click here and find out how you can enroll today – as well as get started with your first 90 days free!**

*Identity Theft insurance underwritten by subsidiaries or affiliates of Chartis Inc. 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.

**Available for new enrollments only. After the free trial of 90 days, the member must contact the Credit Union to opt-out of ID Theft Protection or the monthly fee of $4.95 will automatically be deducted out of the base savings account or $8.95 will be deducted out of the First Protection Checking account (depending upon the coverage option selected), on a monthly basis or until the member opts out of the program.

*Click here view the original article sources by Chase Paymentech and Bankrate.

3 Ways Consumers Can Fall Victim to Identity Theft

Identity-Theft-CreditThere’s really only one way to protect yourself from identity theft. Stop spending money and trust no one. It’s pretty easy.

OK, it isn’t easy. Talk to enough victims of identity theft, and you start to realize that it really can happen to anyone – and sometimes, no matter how careful you are, it can happen to you. That’s why it helps to study how people’s identities were stolen and learn from it. Here a few ways identity theft happens along with strategies to prevent it.

1. Information is out there for anyone to see. Of course you don’t want to leave credit card statements lying around in public places, and when you discard your financial paperwork, it’s smart to run it through a shredder. But sometimes when you’re out in the world, your information can’t help but become a little exposed. You type a PIN number onto a pad and realize someone might have been looking over your shoulder. You hand your credit card to a waiter, who disappears for a while with it. Or you’re in a crowded store, practically rubbing elbows with an identity thief.

Sarah Dugo, co-founder of College Savings Dolls, got an unwanted education on identity theft a few years ago. She was at a crowded Best Buy and bought a big-screen TV for the Super Bowl.

“The cashier took my credit card and delivery information, but they left it all on the computer screen and walked away from the check-out area. I was at one of the checkouts in the smaller section of the store, not the main front exit,” Dugo says.

It turns out that the thief used Dugo’s credit card information to order the same big-screen TV – and had it sent to his address. “That’s how they caught him,” Dugo says. Still, the crook did enough damage to her credit report and credit score that it took two years for her to straighten it all out.

She was in one of those situations where the employee ringing her up was interrupted by a customer before finishing her transaction. Dugo isn’t positive, but she thinks that’s how someone was able to see her information and either jot everything down or snap a photo of the computer screen.

Dugo isn’t sure what she could have done differently, but she figures that if she is ever shopping on another crowded weekend, she may make her purchase at the main entrance, where department sales clerks aren’t likely to be pulled away from the register.

2. You put your wallet or handbag in a vulnerable position. “Several years ago, I was shopping at a Safeway near my house. I was in the shampoo aisle and a well-dressed man asked me to help him find a product his wife asked him to get,” says Caren Kagan Evans, CEO of ECI Communications. While Evans pointed to the top shelf to show him where the product was, another man took Evans’ wallet out of her handbag, which was in the top part of her cart.

“I didn’t realize my wallet had been stolen until I went to check out,” Evans says. “I ran home, contacted the credit agencies, contacted my bank and of course contacted my credit card companies.”

Unfortunately, her Social Security number was printed on her health insurance card, so the thief now had that information as well.

“This was a large group of people that were doing this kind of thing up and down the East Coast,” she says. “In a matter of just an hour, the team had used my cards at gas stations, Target, and other locations. They also were able to get checks printed since they had my social, and thousands of dollars disappeared from my checking account.”

Evans says she was lucky because she got her money back and was able to fix everything relatively quickly. “I have heard stories of people who had their identities stolen where the perpetrator took out mortgages on properties, and stories of people who literally spent years getting everything straightened out,” she says.

As for where Evans went wrong, she says it is easy to look at the situation now and realize her handbag was vulnerable. It was in the top part of the cart, and she was never planning on leaving it out of her sight. So you could take away from this story that you should never trust a stranger, even one who simply wants some help finding shampoo – or, better yet, remember to keep your eye on your purse or wallet since somebody else otherwise will.

Evans also says she no longer signs her credit card receipts, reasoning that a thief can study the receipt and later fake her signature. Sales clerks don’t push her to sign for merchandise, she says – they’ll just ask to see her identification. “And when they do, I thank them,” Evans says. “I appreciate it.”

burglar-for-identity-theft-small3. You trusted someone a little too much. Everyone knows the importance of vetting people who work for you, and yet you can never say it enough.

Arthur Gregory is a serial entrepreneur. He’s a partner in two restaurants and owns EatUsa.net. Back in 2003, the printer who made his menus overheard Gregory tell a colleague that he was looking for a bookkeeper.

“I do that,” the printer said. And Gregory, who liked how his menus were made, figured he’d give him the job.

As it turns out, the man was trustworthy when it came to menus, but not when it came to bookkeeping. “He stole my identity,” Gregory says.

And he didn’t just go out to a department store and buy things in Gregory’s name. He took out corporate credit cards in Gregory’s name and tried to take over his business, contacting vendors in Gregory’s name and doing a ton of damage. Gregory is still working on getting misinformation off of his credit report. Now he keeps all of his personal information in a lock box, so not even his current bookkeeper can see it.

Gregory, unfortunately, is also a case study in why it’s impossible to prevent identity theft. Even if you were willing to live out the rest of your life on a deserted island or in a cave to wall yourself off from problems, you could still discover you’re already a victim of identity theft.

As you can see, identity theft is an immense problem throughout the world and creeping its way up to becoming more and more frequent. As previously stated, there is no way to completely prevent identity theft, but there are certainly ways to minimize your risk and protect your finances. Enrolling in First Financial’s Identity Theft Protection products – with our Fully Managed Identity Recovery services, you don’t need to worry. A professional Recovery Advocate will do the work on your behalf, based on a plan that you approve. Should you experience an Identity Theft incident, your Recovery Advocate will stick with you all along the way – and will be there for you until your good name is restored and you can try it FREE for 90 days!*

Our ID Theft Protection options may include some of the following services, based on the package you choose to enroll in: Lost Document Replacement, Credit Bureau Monitoring, Score Tracker, and Three-Generation Family Benefit. To learn more about our ID Theft Protection products, click here and enroll today!**

*Available for new enrollments only. After the free trial of 90 days, the member must contact the Credit Union to opt-out of ID Theft Protection or the monthly fee of $4.95 will automatically be deducted out of the base savings account or $8.95 will be deducted out of the First Protection Checking account (depending upon the coverage option selected), on a monthly basis or until the member opts out of the program. **Identity Theft insurance underwritten by subsidiaries or affiliates of Chartis Inc. 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.

Article source courtesy of Geoff Williams of US News.