Account Fees and Services
Notice: A security service charge of $1.50 per month will be charged to your checking account to offset these security measures to fight identity theft and fraud. It will appear on your statement as “iProtect Fee”. If you have any questions about how this fee pertains to you or your account, please contact your nearest branch office.
Additional Benefit Available to our Accountholders
Fully-Managed Identity Recovery — How It Works
This trained and certified identity restoration professional will place fraud alerts at the three major credit bureaus for you; help you access services to watch for signs of identity theft; and access your credit reports and conduct a threat assessment to determine if any identity theft has occurred.
If you are victimized by identity theft, your Advocate will work on your behalf to restore your identity. Your Advocate will:
Terms for Identity Recovery Services
Services extend to all named accountholders, their spouse or domestic partner, dependants up to age 25 with the same permanent residence address as the accountholder, including students and military, and parents of the accountholder living at the same address as the accountholder, or living in hospice, assisted living, nursing home or deceased for 12 months or less.]
Benefits have no cash equivalent, are non-transferable, and non-cancelable (except in the event of termination of the Group Plan.) Provider Services do not cover financial losses of any kind arising from the identity theft.
Eligibility for recovery services is based on ID theft events that are discovered and reported to ILWU Credit Union on or after the effective date of the group program.
Identity Theft is defined as fraud that involves the use of a consumer's name, address, social security number, bank or credit/debit card account number, or other identifying information without the knowledge of the consumer, and such information is used to commit fraud or other crimes.
Recovery Services may be refused or terminated if it is deemed that the accountholder or eligible family member is committing fraud or other illegal acts, making untrue statements, or failing to perform his/her portion of the recovery plan. Services will not be refused or terminated due to the complexity of a case.
ILWU Credit Union and/or its service provider of the identity theft services cannot be held responsible for failure to provide or for delay in providing services when such failure or delay is caused by conditions beyond its control.
This service does not provide credit counseling or repair to credit which legitimately belongs to the accountholder or eligible family member.
Services are only available to residents of the United States. Identity recovery is only performed with agencies and institutions in the United States, or territories where U.S. law applies.
Services are provided by Merchants Information Solutions, Inc., www.merchantsinfo.com or an alternate Services Provider selected at the sole discretion of ILWU Credit Union.
Learn More about Identity Theft
To learn more about this growing problem, and to learn how to protect yourself against its devastating effects, visit www.idtheftedu.com.