Checking with ID Protect®
Worried about Identity Theft?
Secure Checking owners aren’t.
Your information is out there. But is it being used? Would you know if it was? Secure Checking owners know. They receive real-time alerts when changes to their identity records or credit report occur through ID Protect®. For just $2.95 per month, you and your eligible family members can be covered.1
An Identity Theft Protection Service for TopMark FCU & Eligible Family Members!
- MasterCard® ATM/Debit Card
- FREE Mobile App & Remote Deposit
- FREE Online Banking & Bill Pay*
- Debit/ATM Card App – Turn your card off and on
- Debit/ATM Card Account Notifications to fight fraud
- Courtesy Pay/Overdraft Line of Credit
- FREE Money Desktop (money management, budgeting, expense tracking & alerts)
- No Per Check Charge, No Minimum Balance Requirement, No Foreign ATM fees**
- Free access to 5,600 Shared Branches and 35,000 ATMs nationwide
NEW Features
OOPS* Refund - Mistakes happen!
We'll cover overdraft fees up to 3 times a year ($30.00 limit per mistake). You must use your Debit Card 10 times each month in order to qualify. Must be point of sale transactions (No PIN transactions).
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Bonus Coverage: Mobile Phone Protection***
Cellular Telephone Protection - Cell phones are part of our daily lives. Replacing them if they are stolen or damaged can be costly. This valuable protection covers you whether you are at home or abroad. Cellular telephone bill has to be paid using eligible account.
Receive up to $300 for the repair or replacement of your phone if it is lost or damaged. Coverage is for the first three (3) phones on your mobile telephone bill.
*** Your mobile telephone bill must be paid from your TopMark Secure Checking Account in order for this bonus coverage to be in effect.
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Personal Protection and peace of mind with IDProtect®
* Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Refer to Insurance Documents for complete details of coverage. 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.
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Prevent
Get advice on ways to protect yourself from identity theft, read educational tips and access valuable online resources related to identity fraud and credit.
Detect
- Credit File Monitoring2 – daily credit file monitoring and automated alerts of key changes to your Experian, TransUnion and Equifax credit reports (registration/activation required)
- 3-in-1 Credit Report - request new 3-in-1 report every 90 days or upon receipt of credit alert (registration/activation required)
- Credit Score - Credit Score – receive a new single bureau credit score with every new credit report (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 (Registration/activation required.)
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Correct
- Debit and Credit Card Registration – (Registration/activation required) 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 - and your liability is limited - should your cards become lost or stolen.
- Fully Managed Identity Theft Resolution Service – access to a dedicated fraud specialist, assigned to manage your case until your identity is restored.
- Identity Fraud Expense Reimbursement Coverage3 – for expenses to help clear your name and help repair damaged credit, including attorney fees, long distance calls, certified mail as well as coverage for lost wages as a result of taking time off from work.
Receive all of the benefits of our Secure Checking for a $2.95 Monthly Service Fee.
1 IDProtect service is a personal identity theft protection service available to personal checking account owner(s), 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.
2 Credit file monitoring from Experian and TransUnion will take several days to begin following activation.
3 Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Refer to Insurance Documents for complete details of coverage. Insurance products are not insured by FDIC/NCUA or any Federal Government Agency; not a deposit of or guaranteed by the bank/credit union or any bank/credit union affiliate.
*You must use your Bill Pay at least once every 90 days to avoid a fee.
**TopMark does not charge Foreign ATM fees, but you may be charged by the financial institutions' ATM.
Reorder Checks with No Changes
When you need to reorder checks, you can do it online if you're not changing your check style or any personal information shown on your checks. If you are changing any information on your checks, please contact us and we will happily assist you.
Courtesy Pay saves you from the embarrassment of returned checks, merchant returned check charges and collection agency fees. It even helps protect your credit rating.
It happens to everyone. You make an honest mistake in your checkbook - forget to record a debit card purchase or a check written - and all of a sudden your balance is a little shy of what you need to cover your outstanding checks. That's why TopMark offers Courtesy Pay, an added member service that protects your checking account when an accidental overdraft occurs.
If you'd like to know more, we're happy to review Courtesy Pay along with a variety of other options designed to add convenience and ease to your account. Just give us a call. *Courtesy pay is the discretion of management.
After business hours 1-888-918-7848
Outside the United States 1-727-299-2449
Beware of Telephone Scams
A credit union employee will not call and ask you to provide sensitive account information. Furthermore, we do not solicit any card or account information by using automated message systems or text messages. However, we do have a fraud alert system for our credit cards.
