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Identity Theft Prevention & Recovery

Your iTHINK Financial Checking Account can include FREE Identity Theft Protection.*

Identity theft is a more common offense than ever before. In fact, it is the most common type of consumer fraud complaint made by Americans and accounted for 42% of the claims filed with the Federal Trade Commission (FTC) last year. According to the FTC, cleaning up the mess after an identity theft has occurred costs the average consumer approximately $1,000. As a result, we have included, at no charge, a comprehensive Identity Theft Protection Program to provide additional safeguards for our myChoice Checking account holders.

Benefits of the Identity Theft Protection Program include:

  • Coverage for all types of identity theft: Not only are you covered for your accounts at iTHINK Financial but also for every account you have at other financial institutions. Coverage also includes non-financial types of identity theft such as utilities fraud and medical fraud.
  • Fully managed identity theft recovery: Receive one-on-one access to a professional recovery advocate who will do all the legwork for you (writing letters, making calls, working with law enforcement, etc.) to resolve your identity theft case.
  • Coverage for you and your family members: Coverage extends to you and all of your family members residing at the same permanent address, including dependents up to age 25 and parents living in elder care if they share your permanent residential address.
  • Our myChoice Checking account holders are automatically covered – no registration required! Click here for more details on this coverage.
  • If you are the victim of identity theft contact us at 800.873.5100 or to open your case.

Additional Credit Monitoring Benefit:

  • Each member with a myChoice Checking account is able to enroll in Credit Monitoring from the three major consumer credit bureaus at no cost. The Credit Monitoring service provides daily alerts if there are any changes in your credit file. This benefit covers the Checking account holder only; other family members may get this benefit by opening their own Checking accounts.

*Identity Theft Protection and Credit Monitoring programs are provided by Merchants Information Solutions, Inc., a non-affiliated business partner of iTHINK Financial. An iTHINK Financial myChoice Checking account is required for participation in the no-cost Identity Theft Protection and Credit Monitoring programs. myWallet Checking account holders may purchase Identity Theft Protection and Credit Monitoring services for an additional fee.

Take steps to protect YOUR information

Our Identity Theft Protection Program is a valuable service, but prevention is a much better option. A few easy steps can prevent identity theft from happening to you.

Basic Tips:

  • Unless you initiated the call and are certain of its use, do not release your social security number, checking account information or other personal financial information to anyone over the phone.
  • Secure your mailbox. Remove mail promptly and don’t leave bills in an unsecured mailbox for postal pickup.
  • Do not write your credit card, social security or driver license numbers on your checks.
  • Shred any documents that have your personal information on them (including credit card offers that you do not plan to respond to).
  • Monitor your credit – Check your credit report at least twice a year. Learn more about your Credit Union’s Credit Monitoring program for Checking account holders.

Credit Cards, Debit Cards, and ATMs:

  • Memorize your PIN. Do not write it down anywhere on your card or carry in your purse or wallet.
  • Sign the back of all cards as soon as you receive them.
  • Destroy cards that you no longer use by cutting them in half and making sure the number is not recognizable.
  • Keep a list of card numbers along with the phone numbers to report them lost or stolen in a safe place at home.

Online vs. Offline:

  • Paying bills online may be safer than writing checks. There are federal regulations that provide consumers with substantial protection against unauthorized electronic debits to their checking accounts. These regulations do not apply to written checks.
  • When shopping online, make sure you are on a secure site. (You can ensure this by looking in the bottom left hand corner of the frame or your browser URL for a locked padlock.)
  • When using an iTHINK Financial Visa Credit or Debit Card, Visa Secure is protecting you. Visa Secure enrollment is no longer required on iTHINK Financial cards, but rest assured that your Visa card transaction is still secure. Your security is important, and therefore we have deployed advanced risk detection technology to monitor transactions which removes the need for passwords, allowing you to shop without interruption
  • Before shopping online, review the company’s privacy policy.

Who to contact if fraud happens to you

  • If you are an iTHINK Financial Checking account holder, contact us at 800.873.5100 or to open your Identity Theft Protection case. Your personal recovery advocate will be in touch with you within 24 business hours.
  • Contact your local police department. Insist that they file a police report and provide you with a copy.
  • File a complaint online with the Federal Trade Commission, by phone at 1.877.ID.THEFT, or mail to Consumer Response Center, FTC 600 Pennsylvania Avenue NW, Washington, DC 20580.
  • Or, if fraud occurs by mail, contact the United States Postal Inspection Service.
  • Contact the Social Security Administration by email or by phone at 800.269.0271.
  • Contact one of the three credit bureaus:

Order Credit Report: 1.800.685.1111
Report Fraud: 1.800.525.6285

Order Credit Report: 1.888.397.3742
Report Fraud: 1.888.397.3742

Trans Union
Order Credit Report: 1.800.888.4213
Report Fraud: 1.800.680.7289

Educational Resources

Helpful Links:

Internet Crime Prevention Tips
 – Internet crime schemes that steal millions of dollars each year from victims continue to plague the Internet through various methods. Visit the following webpage for preventative measures that will assist you in being informed prior to entering into transactions over the Internet:

Internet Crime Schemes
 – Visit the following webpage for current and ongoing Internet trends and schemes along with its description, identified by the Internet Crime Complaint Center (IC3):

U.S. Computer Emergency Readiness Team (CERT)
 Cyber Security Tips – Visit for articles involving general online security, online attacks and threats, email and online communication, mobile devices, online privacy, safe online browsing, and software and applications.


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