Two things you should know concerning Identity Theft:

1. Troy Bank & Trust is providing free ID Theft resolution services to all personal checking account holders.
2. Now you can protect yourself and your family with a proactive identity monitoring program, decreasing your risk with our early detection alerts.

Exactly what am I getting?

Troy Bank & Trust is providing all personal checking accounts with free identity theft resolution services. Should you ever become a victim of identity theft, you can contact Troy Bank & Trust and we will contact a Resolution Advocate at Secure Identity Systems. That advocate will then work to review your case, assist you in getting credit reports and placing alerts, then gather the necessary documents, letters, and addresses needed. They will handle contacting creditors and do the leg work until your identity has been restored.

What is Identity Theft?

Identity theft is the fastest growing crime in the United States, affecting 1 out of every 23 Americans annually. Identity theft refers to all types of crime in which someone wrongfully obtains and uses another person’s personal data in some way that involves fraud or deception. *U.S. Department of Justice

How does identity theft affect me?

Victims of identity theft can experience problems with their credit, their finances, their employment, and even their personal assets. The time it takes to put your life back in order can take from 60-600 hours, plus the expense can be hundreds or even thousands of dollars.

Add even more protection!

Upgrade to our Secure Identity System Platinum program to receive total identity monitoring and be alerted when someone uses your identity. Also included is Expense Reimbursement Insurance.*

Since credit monitoring alone will miss nearly three fourths of the identity crimes committed, Secure Identity Systems continuously examines more than 1,000 databases that include information from the major credit reporting agencies, Social Security Administration, USPS, and other public records. This comprehensive approach allows victims to be contacted much earlier in the process than credit-monitoring alone. An initial risk assessment will be posted to your account online one week after you sign up and monthly assessments thereafter.

You will also receive expense reimbursement insurance. This covers the expenses you incur while working to restore your good name. This coverage is available for you as an individual or you can protect your entire family, a spouse or domestic partner and up to 4 dependents.

Secure Identity Systems carries a policy that will reimburse victims for expenses incurred as a result of an identity theft incident that takes place or was first discovered while those victims were members eligible for coverage.

All of this is offered for
$6.95 for individual coverage
$12.95 for family coverage

* Insurance underwritten by member companies of American International Group, Inc. The description herein is a summary only. It does not include all terms, conditions and exclusions of the policies described. Coverage not available to residents of New York and may not be available in other jurisdiction