TotalCare Protection for TotalCare Checking account members.
Cell phones are part of our daily lives. Replacing them if they are stolen or damaged can be costly. As an eligible account holder you can receive up to $300 of Cellular Telephone Coverage to reim-burse the cost of replacing or repairing your device. This valuable protection covers you whether you are at home or abroad
Cellular telephone bill must be paid through your TotalCare Checking account.
You can rest easy knowing that IDProtect2, our identity theft monitoring and resolution service, can help better protect you and your family’s identities. IDProtect includes:
Identity Theft Expense Reimbursement Coverage1
Receive up to $10,000 to help pay expenses, clear your name and help recover your identity, should you become the victim of identity theft.
Comprehensive Identity Theft Resolution Services
Should you suffer identity theft, your very own IDProtect 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. (Registration/activation required.)
3-in-1 Credit File Monitoring3
IDProtect will monitor your Equifax®, Experian® and TransUnion® credit files daily, and 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 credit alert. Each new report includes an updated single bureau credit score. Credit Score is a VantageScore 3.0 based on single 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. (Registration/activation required.)
Online Identity Theft News Center and Valuable Phone and Web Resources
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 the 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 IDProtect service is a personal identity theft protection service available to personal checking account owners, 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, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.
3 Credit file monitoring may take several days to begin following activation..
Insurance products are not insured by NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.
© 2018 NIH Federal Credit Union