Identity Theft Protection
Frequently Asked Questions
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 a Premium Checking account holder you can take advantage of our team of professional fraud investigators standing by to help. You should also make sure to register to activate the included entitlement to monitoring services to be alerted to suspicious activity.
Do I need to be able to prove I am a victim of identity theft to be eligible for Recovery services?
No, if you are a Premium Checking account holder and you suspect identity theft for any reason, a professional Privacy Advocate is available to you by calling 855-915-1687 Monday through Saturday from 7am to 9pm Central and Sunday from 11am to 5pm Central. The Privacy Advocate 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 do I contact a Privacy Advocate if I suspect identity theft?
A professional Privacy Advocate is available by calling 855-915-1687 Monday through Saturday from 7am to 9pm Central and Sunday from 11am to 5pm Central.
What services are available only to me?
You are eligible for all of the identity theft services, both identity recovery services and an entitlement to monitoring services. As a reminder the monitoring services include three bureau credit monitoring, daily credit reports and scores, an annual tri-bureau credit report and score, credit lock/unlock, dark web monitoring, IP address monitoring, high risk transactions monitoring and social media monitoring. You may activate your entitlement at any time by using your unique Member ID.
What services extend to family members?
The identity recovery services and monitoring services extend to all named account holders. Additionally, the Fully Managed Identity Theft Recovery and the Identity Theft Expense Reimbursement Insurance extend to each account holder’s qualified family members if they suspect identity theft. This includes your spouse or domestic partner, dependents with the same permanent address, and any other IRS dependents and parents living in the household or in elder care.
Does the Identity Theft Expense Reimbursement Insurance pay for funds stolen in an identity theft event?
No, the Identity Theft Insurance reimburses for expenses incurred in recovering from identity theft, but not the losses from the theft itself. However, the Privacy Advocate will assist in documenting fraudulent transactions and obtaining refunds for funds stolen.
How does the IRS Tax Fraud Refund Advance work?
We'll advance your tax refund if someone fraudulently files and receives it on your behalf. Tax fraud may delay your refund for weeks or even months. Now, you may be eligible for a tax refund advance while the Privacy Advocate assists you in completing your fraud remediation. Once the fraud has been remediated and the tax refund from the IRS has been received by you, you must refund the advance within 10 business days. This benefit extends to 3 generations of each Premium Checking account holder's family.
How do I file an identity theft expense reimbursement insurance claim?
Your Privacy Advocate will work on your behalf to file your claim. To access the Fully Managed Identity Theft Recovery and Identity Theft Expense Reimbursement Insurance you can call 855-915-1687.
When do my benefits begin? When do they end?
Your benefits begin when you convert to or open your Premium Checking account, and they end when you close your account. As a named account holder, you may choose to activate your Entitlement to the Monitoring Services at any time.
Why do I need to register to activate the Entitlement to the ID Theft Protection Services?
These services are not activated ahead of time to protect your privacy. There is no requirement for you to use this entitlement however, we encourage you to register for these monitoring services to best protect your identity. Whether you choose to register for the monitoring services or not, the other services included with your covered account - including Fully Managed Identity Theft Recovery and Identity Theft Expense Reimbursement Insurance - will still continue to be available to you.
How do I register to activate the Entitlement to the ID Theft Protection Services?
You will receive activation instructions from America First Credit Union that will provide you with a unique special-use “Member ID” number and further instructions to activate your ID Theft Protection Services online.
How long does the activation process take?
The activation process takes about 5 minutes or less, and if you need any help you can call 855-915-1687. Following the registration process, you will have the opportunity to complete an identity authentication step to fully activate all of your services. Authentication of your identity is required in order for you to view credit alert details and provide access to your daily credit report and score. Upon successful authentication, your credit monitoring will be upgraded from one bureau credit monitoring to three bureau credit monitoring. You can complete identity authentication at any time following the registration process.
What information will I need to enter in order to activate the Entitlement to the ID Theft Protection Services?
You will need to confirm your name and address and provide your Social Security number and date of birth. You will also need to either confirm or provide either an email address or a mobile phone number to receive alerts. Your monitoring will begin based on this small amount of information and will extend to other personal information and credentials that you choose to add. In order to view credit alert detail and access your credit report and score, you will need to complete identity authentication by answering questions taken from your credit file data to validate your identity.
If I can't get online can I still activate my Entitlement to the ID Theft Protection Services?
If you are not able to go online to activate your ID Theft Protection Services, we are able to take you through the account activation process by telephone to initiate monitoring on your behalf. However, to receive alerts you will need to provide either an email address or you can provide a mobile phone number that can accept SMS text alerts. To activate your entitlement through this method, please call 855-915-1687 Monday through Saturday from 7am to 9pm Central and Sunday from 11am to 5pm Central.
How do I request my credit report?
From the Credit Monitoring tab in your ID Theft Protection Services account you have the option to request a new annual tri-bureau credit report once every 365 days or TransUnion® credit report daily. Simply select the report you would like to request. You will be asked authentication questions to verify your identity before the report can be viewed.
Why should I request a credit freeze?
Placing a credit freeze makes it impossible for lenders and other creditors to access your credit reports and can be an excellent tool to combat identity theft. It’s free to do and the most effective way to prevent fraudulent accounts from being opened in your name. If you are going to freeze your credit, doing so with all three bureaus is a must, because certain lenders only check one or two of your three credit reports. Please call our Privacy Advocates at 855-915-1687 for assistance.
When should I lock my TransUnion® credit report?
Locking your credit helps prevent unauthorized access to your credit report. If you want to prevent others from opening fraudulent financial accounts in your name, you might want to consider locking your credit at all three bureaus. You can lock and unlock your TransUnion® report right on your ID Theft Protection Services dashboard. If you would like to lock your Experian® or Equifax ® report, please call our Privacy Advocates at 855-915-1687 for assistance.
How can I dispute an incorrect item on my TransUnion® credit report?
In the event there is an item on your credit report that isn’t an indication of potential fraud, yet is inaccurate, you can request a correction through your ID Theft Protection Services account which goes straight to TransUnion® for processing. Simply click on the “Start a dispute” button found at the bottom of your tri-merged credit report to get started.
If your dispute is on an item on your Experian® or Equifax® report, please call our Privacy Advocates at 855-915-1687 for assistance.
Can I cancel the ID Theft Protection Services?
Yes - since these services are included with your checking account, contact AFCU to discuss your options.
I received a monitoring alert. What do I do?
If you receive a monitoring alert you can go online and login to your ID Theft Protection Services account to see additional details about the alert on your dashboard, or call one of our Privacy Advocates at 855-915-1687.
I lost my wallet/debit card, what do I do?
If you have registered your credentials for Dark Web Monitoring, you can use the information to quickly notify issuers of lost credentials, or just simply call a Privacy Advocate directly to get personalized help to replace the credential documents that may have been in your wallet. The Privacy Advocate can advise you on steps you can take to protect your identity based on the information that is lost.
What do I do if I forgot my special-use Member ID and/or password?
To locate your Member ID used for registering for the ID Theft Protection Services log in to your online banking or call AFCU at 800-999-3961. Member service representatives are available by phone from 8 a.m. to 8 p.m. MT, Monday through Friday, and on Saturdays between 8 a.m. and 7 p.m. MT. To recover your password go to the ID Theft Protection Services account login page and follow the Forgot Password process.
Do I need to be a U.S. Resident to utilize the ID Theft Protection Services?
If you are not a resident of the United States some services may not be available or may be limited.
If you are a U.S. citizen living in the U.S. and owning a Social Security number you may take full advantage of the Recovery and Monitoring Services. A U.S. citizen who is visiting outside of the U.S. or living outside of the U.S. may utilize the Recovery Services; however, the Recovery Services are performed only with agencies and institutions in the United States, or territories where U.S. law applies.
If you reside in the U.S. but you are not a U.S. citizen, you may utilize the Recovery Services; however, without a Social Security number you will not be able to activate the credit services, specifically the credit report, credit score, and credit monitoring features.
Why did I receive more than one notice of these services?
If you are an account holder on more than one Premium Checking account you should have received more than one entitlement notification, each with a unique special-use "Member ID". You may allow another trusted family member to register for the ID Theft Protection Services using the additional Member ID.
Here’s how it works in three easy steps:
1. Create a second ID Theft Protection Services account using YOUR information.
Access the ID Theft Protection Services website and enter your second Member ID. Follow the prompts to enter your Social Security number and Date of Birth. You will also be asked to enter your address, establish a username and password, and enter your email address during this registration process. Once this step is complete and your account is active, you will click “Log In” to go directly to your dashboard.
2. Next, convert the ID Theft Protection Services account to your FAMILY MEMBER.
On the dashboard, click on your name in the upper right corner and select “Account Settings”. There you will edit/change all YOUR personal information shown to the personal information of your family member including their name, address, email, phone, Social Security number and date of birth. Don’t forget to SAVE your changes. The family member may also change the username and password to their own on this page.
3. Your Family Member will only see their information, and not yours.
That’s it! ONCE THE ACCOUNT IS IN THE FAMILY MEMBER’S NAME then the family member should go to the Monitoring tab and complete authentication to gain access to their credit report and score.
** MONITORING SERVICES ARE PROVIDED TO ALL NAMED ACCOUNT HOLDERS ON AN ENTITLED BASIS AND REQUIRE CONSUMER ACTIVATION. Monitoring alerts are provided by email and/or SMS text. Credit Services are provided by TransUnion®, subject to change, and are applicable to individuals age 18 and older who have a valid credit file. Identity authentication is required to view credit monitoring alerts, reports, and scores, and to extend credit monitoring to all three bureaus. The credit score provided may not be consistent with the credit score model used by a lender, and therefore can not be relied upon to determine creditworthiness for any particular loan opportunity. By utilizing TransUnion® Credit Lock/Unlock you are not locking your Experian® or Equifax® credit reports.