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Identity theft is one of the fastest growing crimes in the world. Avoid being a victim and facing the time-consuming and often expensive task of reestablishing a good name and credit. Learn about the risks and consider additional theft protection services to help keep your identity safe.


Benefits of Identity Theft Protection (IDProtect) 

Up to $10,000 Identity Theft Expense Reimbursement Coverage**

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. 

Comprehensive Identity Theft Resolution Services 

A dedicated fraud specialist assigned to manage your case. Experienced recovery professionals will handle the recover process 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 File Monitoring*** 

IDProtect will monitor your Equifax, Experian and TransUnion credit files daily, and automatically alert you if key changes occur. (Registration/activation required.)  

3-in-1 Credit Report

Request an updated credit report every 90 days or upon receipt of alert. Each new report includes an updated single bureau credit score. (Registration/activation required.)  

Total Identity Monitoring 

Monitoring of over 1,000 databases including credit, Social Security, public records, real property records, telephone and many others. (Registration/activation required.)  

Online Identity Theft News Center and Valuable Phone and Web Resources (Registration/activation required.)  

Available at  www.idprotectme247.com

Or download the IDProtect app available from the Google Play or App Store, once you are registered on the website. 

IDProtect is available with Power Checking and Signature Checking for no charge. Contact us today or visit an F&M Bank location for more information. 

*IDProtect service is a personal identity theft protection service available to personal checking owner(s), their joint account owners and their eligible family members. The service is available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members (service not available to employees or authorized signers who are not owners). Service is not available to a "signer" on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members. For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and their eligible family members (Fiduciary is not covered). Family includes: spouse, persons qualifying as domestic partner, children under 25 years of age and parent(s) of the account holder who are residents of the same household.

** Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Refer to Insurance Documents for complete details of coverage. 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.

*** Credit file monitoring from Equifax and TransUnion will take several days to begin following activation.