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Identity Theft Protection

credit card fraud

Citadel Identity Theft Protection

Citadel offers customers access to one of the nation’s most trusted identity detection and recovery services. Our ID theft subscription packages can cover an entire family and start at only $3.95 per month. With this service, we offer a range of products to help protect you against credit card fraud, identity theft and much more.

Reporting identity theft is imperative to your safety. Don't hesitate to contact us if you see any fraudulent or suspicious activity happening on your accounts.

Fully Managed Identity Theft Recovery

As a subscriber, if you suspect your identity has been stolen or if your information is compromised, you can contact a personal Recovery Advocate who can complete the recovery work on your behalf, report on progress along the way, and be there for you until everything is restored – no matter how long it takes.


Your Recovery Advocate will:

  • Assist in placing fraud alerts at the three major credit bureaus
  • Review your credit reports to identify and prevent credit card fraud
  • Remediate fraudulent transactions, false accounts, and/or contracts signed
  • Support law enforcement as they work to stop the criminal(s) using your identity
  • Follow up with you for 12 months

Family Coverage

If you subscribe to a Family Package, Fully Managed Identity Theft Recovery services automatically extend to cover three generations of your family (3G), including:

  • Spouse or domestic partner
  • Dependents under age 25 with the same permanent address
  • IRS-qualified dependents
  • Parents living with you or in elder care (nursing home, assisted living, or hospice)

All 3G family members are covered for 12 months after death as well—an important benefit as identity thieves target deceased individuals.

Lost Document Replacement

If important documents are lost or stolen, your Recovery Advocate can work with you to obtain replacements for the missing documentation.

Identity Theft Expense Reimbursement Insurance

All packages include $1,000,000* of Identity Theft Expense Reimbursement Insurance. This benefit covers out-of-pocket expenses incurred during the recovery of your identity, such as attorneys’ fees, lost wages, and more.

Credit Monitoring

Prevent credit card fraud today by signing up to receive fraud alerts as often as daily for any changes to your credit file. Fraud Alerts include but are not limited to credit inquiries, new credit lines, derogatory credit, name change and address changes. This service is available to individuals age 18 or older with a valid credit file. Email and SMS alerts available. Single bureau and three bureau options available.

Score Tracker

The Score Tracker displays your monthly credit score graphically, so you can clearly view how your credit score has changed over time. Please note: The credit score provided by Score Tracker cannot be relied on to determine creditworthiness for any particular loan opportunity.

Credential Vault

The Credential Vault securely stores up to fifty personal credentials online for easy retrieval. In addition to credit and debit card numbers, you can store credentials such as account numbers, license numbers, and other important information.

Internet Black Market Monitoring

Internet Black Market Monitoring will detect if your personal information or credentials are exposed in high-risk areas of the internet such as black market websites, chat rooms, and bulletin boards.

ID Monitoring – Public Records

The ID Monitoring will monitor your name, address, and Social Security number to detect possible financial or non-financial identity theft.

Citadel is dedicated to protecting the finances, privacy, and data of our customers.

Learn More

Available Packages

 Monthly Pricing      
   Classic Premium Elite
 Individual $3.95  $6.95 $12.95
 Family $7.50 $13.70 $24.90
 Includes  Fully Managed Identity Recovery Fully Managed Identity Recovery Fully Managed Identity Recovery
  Member Education Member Education  Member Education
  Monthly Identity Theft Newsletter  Monthly Identity Theft Newsletter Monthly Identity Theft Newsletter
  Lost document replacement  Lost document replacement Lost document replacement
  $1 Million Expense Reimbursement*  $1 Million Expense Reimbursement* $1 Million Expense Reimbursement*
  Internet Monitoring Internet Monitoring Internet Monitoring
  Credit Monitoring  Credit Monitoring  3 Bureau Credit Monitoring  
    Monthly Score Tracker Monthly Score Tracker
    Credential Vault Credential Vault
      Identity Monitoring - Public Records 

Our Insurance Expert

Laura Balint
Laura Balint
Insurance Agent, PLCS

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Frequently Asked Questions

What is fraud?

Fraud is wrongful or criminal deception intended to result in financial or personal gain.

How do I go about reporting fraud?

To report fraud contact us immediately at 800-666-0191 , by secure message, webchat or over the phone. You can also call Falcon, our Fraud detection center, at 888-918-7313.

How do I go about reporting reporting identity theft?

To report ID Theft contact us immediately at 800-666-0191, by secure message, webchat or over the phone and file a report with the Federal Trade Commission at IdentityTheft.gov.

 

What is identity theft?

Identity theft is the fraudulent acquisition and use of a person's private identifying information, usually for financial gain.

How do I prevent credit card fraud?

To prevent credit card fraud do not use your credit card on untrusted/unsecured sites and monitor your online banking transactions daily.

 

How do I sign up for fraud alerts?

To sign up for fraud alerts you will want to navigate to the 'Alerts' tab in Online and Mobile Banking.

 

Still have questions? Visit our help center.

*Identity Theft Disclosures

View *Identity Theft Disclosures

*Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. (AIG). The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.


Insurance Products: Are not deposits of, guaranteed by or insured by Citadel, the NCUA or any Federal Government Agency. Are obligations of the issuing insurance company, which is not affiliated with Citadel.