Secure Checking ID Theft Protection

ID Theft Protection & Additional Benefits

Introducing our proactive approach to help protect our customers from identity theft.

An estimated 17.6 million people, or about 7 percent of U.S. residents age 16 or older, were victims of at least one incident of identity theft in 2014, according to the Bureau of Justice Statistics (BJS).*  We don’t want you to become one.

Recouping losses and clearing your credit will take time and money if you are a victim of identity theft. As your trusted financial partner, your identity protection is our highest priority. We already have procedures in place to detect warning signs of identity theft, such as unusual account activity, and we take immediate action and the appropriate steps to prevent and mitigate any potential identity theft event. But now, we are doing MORE.

TBT customers with our Secure Checking accounts will have access to the following security benefits and special discounts as part of their account.


Benefits Details
IDProtect® - Identity Theft Protection Service** For you and joint account holders.
Identity Theft Expense Reimbursement Coverage*** Receive up to $10,000 to help pay expenses, clear your name and restore your identity, should you become the victim of identity fraud.*****
Comprehensive identity theft resolution services Should you suffer identity theft, your very own dedicated fraud resolution specialist will help you every step of the way until your identity is restored.
Debit and credit card registration Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards should your cards become lost or stolen. (Registration/activation required)
3-in-1 Credit Monitoring Daily credit file monitoring and automated alerts of key changes to your Experian, Equifax and TransUnion credit reports. (Registration/activation required)
3-in-1 Credit Report Access to credit reports and credit scores. Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different type of credit score to assess your creditworthiness. (Registration/activation required)
Total Identity Monitoring Monitoring of over 1,000 databases to identify suspicious activity. (Registration/activation required)
Cellular Telephone Protection:***  Received up to $300 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. $50 deductible applies. Up to two claims per eligible account, per twelve-month period. Covers up to three phones on a cellular telephone bill. (Cellular telephone bill must be paid using Secure Checking accounts.)
Debit Advantage™ *** Buyers protection*** covers items for 90 days from the date of purchase against accidental breakage, fire, loss or theft, Extended Warranty*** extends the U.S. manufacturer’s original written warranty up to one full year on most new retail purchases if the warranty is less than five years. (Item(s) must be purchased entirely with this Secure Checking account for coverage.)
Accidental Death & Dismemberment Insurance*** Receive up to $10,000 of 24 hour Accidental Death and Dismemberment Insurance. (Coverage divides equally on joint accounts and reduces by 50% at age 70.)***
Health Discounts Enjoy savings on vision, prescriptions and dental services. This is NOT insurance. (Registration/activation required)
Telehealth**** Access to 24/7 video or phone visits with U.S.-based board-certified, licensed and credentialed doctors ready to help with urgent care or mental health for you and your family - all with zero copays. (Registration/enrollment required)


* Bureau of Justice Statistics, September 2015.

** Benefits are available to personal checking account owner(s) and their joint account owners subject to the terms and conditions for the applicable Benefits. Benefits are not available to a "signer" on the account who is not an account owner or to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, Benefits are available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their joint account holder. For all other fiduciary accounts, Benefits are available to the beneficiary, who must be the primary member, and his or her joint account holder (Fiduciary is not covered).

***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 for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit. Guide to Benefit can be found online at

****Available for the account holder and their spouse/domestic partner and up to six(6) dependent children age 2 and older. This is not insurance.

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