Identity theft is stressful enough. Recovering from it shouldn't be.

That's why Elite Checking includes Identity Protection. Identity Monitoring1, Dark Web Monitoring1 and High-Risk Transaction Monitoring1 help you spot potential threats before they become bigger problems. 

If someone steals your identity, dedicated recovery specialists help you every step of the way, backed by up to $10,000 in identity fraud expense reimbursement2 to help cover eligible recovery costs.

Best of all, it's already included with your Elite Checking account. It only takes a minute to activate each protection service. Register the information you want monitored, and we'll alert you if something doesn't look right.

Identity Monitoring

We'll keep watch so you stay one step ahead.

Identity Monitoring scans for changes tied to your identity across billions of records, looking for early warning signs that something isn't right.

  • Credit profile 
  • Mailing address 
  • Public records 
  • Property records
  • Phone records 
  • Millions of additional data points 

We'll alert you if something doesn't look right. You can also run a scan anytime to update your Identity Risk Score. It's a quick, easy way to see your current risk and keep tabs on your identity.

High-Risk Transaction Monitoring

Stolen identities don't sit still

Identity thieves don't stop at stealing information. They use it. High-Risk Transaction Monitoring watches for:

  • New account openings
  • Password resets
  • Name or address changes
  • Credit line increases
  • Funds transfers
  • Other high-risk account activity

We'll alert you if something doesn't look right. If it's fraud, our recovery specialists will help you protect your identity and get back on track.

Dark Web Monitoring

They steal it. Then they sell it.

We'll keep an eye on the places you can't. Dark Web Monitoring watches for your:

  • Email addresses
  • Phone numbers
  • Debit and credit cards
  • Bank accounts
  • Social Security number
  • Driver's license and passport
  • Medical ID numbers

If your registered information appears on the dark web, we'll alert you so you can secure your accounts before criminals can put it to use.


Expert Recovery & Financial Protection

You don't have to do this alone.

Identity theft can turn your life upside down. That's why Identity Protection includes more than monitoring. If your identity is compromised, a dedicated recovery specialist will help restore your identity, repair your credit and guide you through every step of the recovery process.

You'll also receive up to $10,000 in Identity Fraud Expense Reimbursement to help cover eligible recovery costs, including lost wages, legal fees, certified mail and other covered expenses.*

Because some things are too important to face alone.

How do I activate my benefits?

Some services may already be active. Visit Manage Accounts > Elite Checking in Frontwave Digital Banking to check your status, activate services and manage your benefits.

Think your identity has been stolen?

Call the Benefits Service Center to connect with a dedicated recovery specialist.

1.866.210.0361
Mon–Fri: 8:30 AM – 5 PM ET


Questions about your coverage?

Review the Guide to Benefit for complete coverage details and exclusions, or call 1.866.210.0361 for help.

Protect What Matters

Protect your identity with Elite Checking from Frontwave Credit Union. ID Protect® helps monitor for threats, alert you to suspicious activity and provide support if your identity is compromised. You’ll also have access to fraud recovery support and reimbursement benefits.

More Than Just Identity Protection

Identity Protection and Resolution one of several built-in protections included with Elite Checking.3

  • Cell Phone Protection

    Covers stolen or damaged devices up to $400 per claim

  • Purchase Protection

    Added protection for eligible debit card purchases

  • Extended Warranties

    Extra coverage beyond standard manufacturer warranties

  • ID Theft Protection

    Actively monitors for signs of identity theft

  • Financial Protection

    Up to $10,000 expense reimbursement if you get hit with identity theft

  • Private WiFi

    Encrypt your connection on public WiFi

  • Health Discounts

    24/7 Telehealth access; prescription, vision & dental discounts

  • Credit Monitoring

    Credit score updates, reports and planning tools4

Need Help? We’ve Got You.

Have questions about your benefits? Our team is here to walk you through registration or answer any questions.

  • Call Frontwave at 800.736.4500 or the Benefits Service Center at 866.210.0361.
  • Visit any Frontwave branch with a valid photo ID
  • Send a message in Digital Banking by going to Settings > Contact > Send Secure Message.
Disclaimers

¹ Phone Protection Information

Phone Protection reimburses eligible repair or replacement costs for covered damage or theft of eligible cell phones when you pay your monthly wireless bill with your eligible Elite Checking account. Coverage is subject to the terms, conditions, limitations and exclusions in the Guide to Benefit. A $50 deductible applies per approved claim. Benefits are limited to $400 per claim, up to two approved claims and $800 total per 12-month period. Theft claims require a police report filed within 48 hours of the incident.

To file a claim, ask questions about your coverage or review the Guide to Benefit, access your Phone Protection benefit through digital banking or call the Benefits Service Center at 866.210.0361.

2 Example shown for illustrative purposes only. Actual savings depend on the cost of the eligible repair or replacement and are subject to the $50 deductible, benefit limits, and the terms, conditions and exclusions of the program.

3 Additional Benefit Information

The benefit descriptions on this page are summaries only and do not include all terms, conditions, limitations, or exclusions. Certain benefits may require registration or activation. Benefit availability, eligibility requirements, coverage limits, and exclusions vary by benefit. Coverage limits, exclusions, eligibility requirements, and terms apply and may change without notice. Benefits and services are provided through third-party providers.

Please refer to the applicable Guide to Benefits and account disclosures for complete details of coverage and exclusions. Guides to Benefits are available through Frontwave Digital Banking, the Frontwave mobile app, or at elitechecking.frontwavecu.com.

Debit Advantage®: Purchases must be made with your Elite Checking account.

Telehealth and health discount services are not insurance.

Insurance products are not insured by the NCUA or any government agency, are not deposits of the Credit Union, and are not guaranteed by Frontwave Credit Union or any affiliated entity.

Download our complete Checking Account Brochure for full details.