Identity Theft Protection - IDSafeChoice
Your financial security and peace of mind come first, which is why every personal checking account comes with identity theft restoration services, IDSafeChoice. We provide a professional identity theft restoration expert to manage your recovery if you ever become a victim of identity theft- no matter how long it takes. Protect your entire family for $1.50 per month.
- Recovery services for 3 generations of your family - including you, your spouse or partner, children under age 25, and elderly parents with the same address or in eldercare
- Assignment of your own Personal Recovery Advocate
- Online or overnight delivery of a Fraud Recovery Package within 2 business days
- Preparation, filing and follow-up for all necessary documentation to affected agencies, financial institutions and businesses
- Credit review with all three credit bureaus
- Fraud alerts issued to all credit agencies and Federal and local law enforcement
- Progress reports and post-recovery follow up for 12 months following restoration confirmation of your return to pre-identity theft status
Preventing Identity Theft
As part of our efforts to protect your account information, we ask all
Online Banking customers to create security questions. It's a smart and
simple way to add an additional level of protection to your Online Banking.
We may periodically ask you to answer those questions when you access
Online Banking as a quick identity check, that way, when you are doing
your Online Banking we'll know that it is you.
Anyone can be a target of identity theft. Fortunately, there are steps
you can take to minimize your risk and we can help.
Most important is to manage your financial and personal information wisely,
and to be aware of actions that lead to identity theft. In addition to
obvious protections, like reviewing financial statements regularly and
zealously protecting passwords and Personal Identification Numbers (PINs),
there are other simple steps you can take to reduce your risk:
Important Information For Victims of Identity Theft
- When shopping, avoid placing receipts in the same bag as your purchases.
- Before you reveal any personally identifying information to an outside
institution, find out how it will be used and whether it will be shared
with others. Ask if you can choose to have the information kept confidential.
- Know when you should receive your billing statements. Follow up
with creditors if your bill doesn't arrive on time. A missing credit card
bill could mean that a credit card thief has taken over your credit card
account and changed your billing address to cover his tracks.
- Guard your mail from theft. Deposit outgoing mail in post office
collection boxes or at the post office. Promptly remove mail from your
mailbox after it has been delivered. It is important to invest in a shredder
and destroy all financial solicitations such as credit card or home equity
- Passwords aren't just for financial accounts. Whenever possible,
put passwords on all your accounts, including telephone and utilities.
When selecting a password, avoid easily available information such as
your mother's maiden name.
- Minimize the identification information and the number of cards
you carry to what you actually need.
- Don't carry your Social Security card with you; leave it in a secure
- Give your Social Security Number only when absolutely necessary.
Ask to use other types of identifiers when possible.
- Consider removing your Social Security Number from your motor vehicle
driver's license, if local state law allows this.
- Do not give out personal information on the phone, through the
mail, or over the Internet unless you have initiated the contact or know
the individual or entity that you are dealing with.
- Be cautious about where you leave personal information in your
home; especially if you have outside help or are having service work done
in your home.
- Tear or shred your receipts, copies of credit applications, insurance
forms, bank checks and statements that you are discarding, expired charge
cards and credit offers you get in the mail.
- Order a copy of your credit report from each of the three major
credit reporting agencies each year. Make sure it is accurate and includes
only those activities you've authorized.
If you know or suspect that your personal information has been stolen
and misappropriated to commit fraud or theft, contact Bank of Denver at
303-572-3600 immediately. We will be able to help ensure that you are
taking the appropriate steps to recoup your identity.
Next, follow these steps to begin resolving the situation. Be vigilant
and follow-up with written communication. Along the way, Bank of Denver
can be a valuable resource.
Take Control of Your Individual Situation
- Contact the fraud departments of each of the three major credit bureaus
and request that a "fraud alert" be placed in your file, as
well as a "victim's statement" asking that creditors call you
before opening any new accounts.
Credit Bureau Fraud Departments
Trans Union 1-800-680-7289
At that time, you will receive copies of your credit reports from the
credit bureaus. Review your reports carefully to ensure no additional
fraudulent accounts have been opened in your name or unauthorized changes
were made to your existing account.
- Report the identity theft to the Federal Trade Commission (FTC).
Call the FTC Identity Theft Hotline 1-817-IDTHEFT (1-817-438-4338).
- Contact the creditors of any accounts that have been tampered with
or opened fraudulently. Creditors can include credit card and utilities
companies, banks and lenders.
- File a report with your local police. Get a copy of your police report
in case the bank, credit card company or others need proof of the crime.
- Keep track of everyone you speak to and document their phone numbers.
Follow-up all of your conversations with letters and keep copies of all
documentation and correspondence.
Although there is no question that an identity thief can wreak havoc
on your personal finances, there are some things you can do to take control
of the situation.
- Stolen mail
If an identity thief has stolen your mail in order to get new credit
cards, bank statements or tax information report it to your postal
inspector. You can receive information regarding your postal inspector
by calling your local post office or by visiting the U.S. Postal Service
- Change of address on credit card accounts and loans
If you have discovered that an identity thief has changed the billing
address on an existing credit card account, close the account immediately
and open a new one.
- Bank accounts
If an identity thief has tampered with your bank accounts, checks, or
ATM cards - close the accounts and open new ones.
If an identity thief has tampered with your brokerage accounts or individual
securities, immediately report it to your financial advisor and contact
the Securities and Exchange Commission at 202-942-7040.
If someone is using your Social Security Number to apply for a job, report
it to the Social Security Administration's (SSA) Fraud Hotline at 1-800-269-0271
or visit the SSA website (http://www.ssa.gov).
Also call the SSA at 1-800-712-1213 to verify the accuracy of earnings
reported on your Social Security Number, and request a copy of your Social
- Learn More
Do you know how you can reduce the risk of becoming a victim of identity
theft? To learn, take the Identity Theft: A Quiz for Consumers (http://www.justice.gov/criminal/fraud/websites/idquiz.html) on the U.S. Department of Justice website (http://www.usdoj.gov). Assess
what you may already know and then read more about some easy tips everyone
While no one can totally prevent this crime from occurring to you, there
are some positive steps to take which will decrease your risk. To learn
more; contact the Federal Trade Commission (FTC) at 1-877- IDTHEFT (1-877-438-4338)
or the FTC Website (http://www.ftc.gov/IDtheft).