ID THEFT PROTECTION
IDProtect® helps to better protect you, your spouse, dependent children up to age 25 and parents living in the same household as the account owner, for any identity fraud event, financial or otherwise, anywhere in the world, even if the event has nothing to do with your account at First National Bank of Sparta.
Benefits are not available to a "signer" on the account who is not an account owner, or to businesses, clubs, trusts, organizations, and/or religious institutions and their members, or schools and their employees/students.
Fully Managed Recovery
Comprehensive Identity Theft Resolution Service - A dedicated fraud specialist assigned to manage your case. Experienced recovery professionals will handle the recovery process until your identity is restored.
Identity Theft Expense Reimbursement
Up to $10,000 Identity Theft Expense Reimbursement1 - to cover expenses associated with restoring your identity, such as reimbursement for costs associated with attorney fees, loan application fees, long distance calls, certified mail and notarized fraud documents, medical record costs, costs for daycare and elder care, travel and accommodations, as well as coverage for wages lost for time taken off work to correct personal records. (Refer to Guide to Benefit for complete details of coverage.)
Monitoring (Registration/Activation required to receive all of these benefits.)
Identity Monitoring - Monitoring of more than 1,000 databases and public records to identify suspicious activity, including credit header information, phone records, United States Postal Service records, and more. A risk rating is generated with each monthly scan, and if your scan reflects a high-risk score, you will be notified.
Credit File Monitoring2 - Daily credit file monitoring and automated alerts of key changes to your Experian, Equifax and TransUnion credit reports.
Credit Report and Score - Access to triple-bureau credit reports and single-bureau credit score. Credit Score is a VantageScore 3.0 based on single-bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness.
Debit And Credit Card Registration
Register your credit, debit and ATM cards and have a peace of mind knowing you can call one toll-free number to cancel and request replacement cards. (Registration/Activation required. Available online only.)
Educational Resources/News Center
Get advice on ways to protect yourself from identity theft, read educational tips and access valuable online resources and news related to identity fraud and credit. (Registration/Activation required. Available online only.)
1 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 actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance.
2 Credit file monitoring may take several days to begin following activation.
Insurance Products are not insured by the FDIC or any Federal Government Agency; Not a deposit of or guaranteed by the bank or any bank Affiliate.
