PROTECT YOURSELF, YOUR ACCOUNTS, AND YOUR FUTURE
Make the right choice with IDSafe Choice to keep your accounts and your identity secure around the clock.
Benefits You’ll Love
- Learn more about identity theft and how it affects consumers
- Understand how to stay protected
- Access resources to educate you on fraudster tactics
- Conveniently sign up for protection services online, today
IDSafe Choice
Identity theft is consistently the number one complaint to the Federal Trade Commission. Rampant data breaches affecting millions of records, are putting consumers at great risk of identity theft. It can happen to anyone- regardless of your age, income, where you live, or how careful you are.
Restoring your identity on your own can be stressful and time-consuming. After a while, some people give up, leaving them to contend with the aftermath of identity theft for years to come, including fraudulent bills, collections activity, damaged credit and even criminal records.
First Community Credit Union has partnered with one of the nation's most trusted names in Identity Theft Protection, IDSafe Choice, to provide you with a comprehensive Identity Theft Research, Remediation and Recovery Service. As a checking accountholder, you are eligible, for the following services below at just $3 a month.
Easily Enroll for IDSafe:
- Login to Online Banking
- Click on Manage Money
- Select IDSafe- Identity Recovery Service
- Check the box, "Yes, Sign Me Up"
- Hit Submit
Fully Managed Identity Theft Research, Remediation, and Recovery
If you suspect identity theft, or if your personal information becomes compromised, we will assign you to a personal Recovery Advocate who will complete the recovery work on your behalf, report on progress along the way, and be there for you until your good name is restored — no matter how long it takes!
Based on the fraud incident, a Recovery Advocate will:
- Assist in placing fraud alerts at the three major credit bureaus
- Review your credit reports and other records to identify the extent of fraudulent activity
- Re-mediate fraudulent transactions, false accounts, and/or contracts signed
- Support law enforcement as they work to stop the criminal(s) using your identity
- Follow up with you for 12 months
Family Coverage
Fully Managed Identity Theft Recovery services automatically extend to cover three generations of your family (3G), including:
- Spouse or domestic partner
- Dependents under age 25 with the same permanent address
- IRS-qualified dependents
- Parents living with you or in elder care (nursing home, assisted living, or hospice)
All 3G family members are covered for a full 12 months after death as well — an important benefit as identity thieves target deceased individuals.
Lost Document Replacement
If important documents are lost or stolen, your Recovery Advocate will work for you to obtain replacements for the missing documentation.
Identity Theft Expense Reimbursement Insurance
If you have any expenses incurred during the recovery of your identity such as lost wages or attorney's fees, you will be reimbursed up to $10,000.1
- For complete terms and conditions of the group services, click here.
Increase Your Protection
Add additional protection for yourself and your family or recommend to a friend. All packages include fully-managed recovery and lost document replacement, plus:
- 1 Bureau Credit Monitoring
- $25,000 Expense Reimbursement Insurance2
- Internet Black Market Monitoring
Monthly Retail Price: Individual $5.95, Family $9.95
Learn more about upgrade options to further protect yourself and your family. This service is also available for our business checking account holders.
FCCU Fraud Resources
Looking for additional fraud resources? FCCU has a list of free fraud tips, podcasts and other fraud prevention resources available.
1Identity theft insurance is underwritten by Lyndon Southern Insurance Company, a member of the Fortegra family of companies. The information provided is a program summary. Please refer to the Identity Theft Expense Reimbursement Evidence of Coverage forms for additional information including details of benefits, specific exclusions, terms, conditions & limitations of coverage. Coverage is currently not available to residents of NY & may not be available in other U.S. territories or jurisdictions in the future.
2Identity 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 & does not include all terms, conditions & exclusions of the policies described. Please refer to the actual policies for terms, conditions, & exclusions of coverage. Coverage may not be available in all jurisdictions.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly dividends earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Kasasa Cash*
| Balance | Rate | APY |
|---|---|---|
| 0 - $25,000 | 2.47% | 2.50% |
| $25,000+ | 0.15% | 2.50% to 0.62% |
| All balances if qualifications not met | 0.02% | 0.02% |
Qualifications to Earn Rewards
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle:
- At least 12 debit card purchases
- Be enrolled in and agree to receive eStatements
- Be enrolled in and log into online banking
If you don’t qualify this monthly qualification cycle, your account is still free. Plus, you’ll still earn the base interest rate for your account. Then, next month, you can get right back to earning your full rewards.
Kasasa Saver*
| Balance | Rate | APY |
|---|---|---|
| 0 - $25,000 | 0.25% | 0.25% |
| $25,000+ | 0.15% | 0.25% to 0.17% |
| All balances if qualifications not met | 0.02% | 0.02% |
Qualifications to Earn Rewards
Qualifying for your Kasasa Cash or Kasasa Cash Back® rewards automatically qualifies you for the highest Kasasa Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:
- At least 12 debit card purchases
- Be enrolled in and agree to receive eStatements
- Be enrolled in and log into online banking
If you don’t qualify this monthly cycle, your account is still free and you’ll still earn the base interest rate. Plus, you’ll get right back to earning your rewards the very next month.
APY = Annual Percentage Yield. Rates and APYs accurate as of 1/1/2021. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.