ID TheftSmart

Protecting our customer's identity and information is paramount to all of us at Isabella Bank, which is why we have partnered with United Banker's Bank to offer a credit monitoring and restoration service through Kroll called ID TheftSmart.

Choose from one of two ID TheftSmart protection options:

• Provides protection, detection, and restoration of your identity
• Actively helps you fight back if your identity is ever stolen
• Continuous credit monitoring to alert you to any potential problems or suspicious activity 
• You will receive exclusive access to your own experienced, licensed investigator in the event you think you are at risk or discover your identity is compromised
• Must be 18 years or older to enroll

Create a brighter future with free financial literacy training through Community Compass. Learn how to protect your identity and the steps to take if your personal information is stolen. 

What is ID TheftSmart?

ID TheftSmart provides consultation and comprehensive identity restoration, in addition to continuous credit monitoring to safeguard your identity.

How do I enroll in ID TheftSmart?

To enroll, please contact or visit one of our Isabella Bank locations. At the branch, you will receive an enrollment form to fill out. Once completed, you will be given a membership number you can use to complete your enrollment online. You must be 18 years or older to enroll in ID TheftSmart. 

Can I enroll in ID TheftSmart online?

To enroll in ID TheftSmart, you must visit an Isabella Bank branch location and fill out an enrollment form. 

How will I be charged for ID TheftSmart?

You will be automatically charged each month through your Isabella Bank account on your statement date. The charge will show up on your statement as ID TheftSmart. 

Does ID TheftSmart prevent identity theft?

No identity theft program or service can guarantee you will never be a victim of identity theft. What ID TheftSmart can deliver is continuous credit monitoring that alerts you as soon as there is questionable credit activity in your name, such as applying for a new credit card or loan, a change of address, etc. The earlier you discover suspicious activity, the less damage an identity thief can do. 

If I know I have had an ID Theft incident prior to enrolling in ID TheftSmart, can I still enroll and have the incident covered?

If either the victim had knowledge of, or reasonably should have had knowledge of, the pre-existing stolen identity event based on the information provided to them prior to enrollment in the program, such an event or the consequences caused by it are not covered by ID TheftSmart. 

How does ID TheftSmart identity restoration work?

If you suspect you have become a victim of identity theft, simply call the toll-free number on your ID TheftSmart membership card. Kroll's professional licensed investigators will do most of the difficult work needed to restore your name and credit to pre-event status as accurately, completely, and quickly as possible. 

You will be assigned a dedicated licensed investigator who will work your case through the entire identity theft restoration process. In order to receive the full benefit of enhanced identity theft restoration, you will be asked to sign and return a limited power of attorney that provides your investigator the legal rights to become your advocate and work on your behalf. 

How long does identity restoration take?

Identity restoration can take anywhere from a few months, to a year or more, depending on how extensive the identity fraud is and how in-depth Kroll's investigators must go to get it corrected. 

Your case is not closed until your restoration is complete to your satisfaction and Kroll receives verification that your issue is resolved. 

If it could take months to restore my identity, do I have to maintain my ID TheftSmart membership during the restoration period?

Membership must be maintained throughout the restoration period.

How do identity thieves steal my personal information?

Identity thieves access your personal information in a number of traditional ways, such as stealing mail, rummaging through trash, or stealing a purse or wallet. Some identity thieves can access personal information you share on the internet by hacking into databases, email accounts, online and mobile banking, or posing as a company you do business with- informing you there is a problem with your account.