With Your Eagle Plus Checking Account – you have free Identity Theft Insurance to assist you in restoring your name and good credit. Identity Theft Insurance provides you with expert assistance and up to $10,000 in financial relief in the event your identity is stolen.

Visa ® Zero Liability – If your Visa card information was stolen, you owe nothing on fraudulent transactions. Visa’s Zero Liability policy means 100% protection for you. Visa’s enhanced policy guarantees maximum protection against fraud. You now have complete liability protection for all of your card transactions that take place on the Visa system. Should someone steal your card number while you’re shopping, online or off, you pay nothing for their fraudulent activity. If you notice fraudulent activity on your card, promptly contact Allegacy to report it. It is important to continually monitor your monthly statement to identify any unauthorized transactions. The Zero Liability policy covers all Visa credit and debit card transactions processed as “credits” over the Visa network—online or off.

Identity Theft Action & Assistance - If you are a victim of identity theft, you can get help. Through a unique Visa partnership with the consumer network Call For Action, victims of identity theft can receive free, confidential counseling by calling 1-866-ID-HOTLINE. Call for Action’s consumer hotline offers the assistance of trained counselors to walk consumers step-by-step through the process of getting their identities back. Alternatively, you can go to www.callforaction.org, to request assistance. You can also follow the steps below to minimize the damage and stop the thief.

File a Police Report – immediately contact your local police department upon discovering your identity has been stolen and be sure to keep a copy of the report number on record as proof of the crime.

Contact a Credit Bureau - One single toll-free call to any of the three credit bureaus listed below will be enough to alert all of the bureaus that you are on fraud alert. Within twenty-four hours, all three of the bureaus will be on alert, which means that the victim will be notified upon any attempt to open or alter any new or existing accounts. In addition, the bureaus will:

• Place a “fraud alert” on the victim’s credit report to ensure that he or she will be contacted before any new account is opened or an existing account is changed.
• Opt-out the victim from all pre-approved offers of credit for two years.
• Provide a free copy of credit reports that should help the victim identify any new accounts that may have been opened. Pay particular attention to the section of the report that lists inquiries from new companies. Contact these companies immediately and have them remove any pending or new accounts from their system.

  Credit Bureau Contact Information:

  Equifax
  www.equifax.com
  800-525-6285 (Fraud Hotline)
  800-685-1111 (Report Order)
  P.O. Box 740250
  Atlanta, GA 30374

  Experian
  www.experian.com
  888-397-3742 (Fraud Hotline)
  888-397-3742 (Report Order)
  P.O. Box 9556
  Allen, TX 75013

  TransUnion
  www.transunion.com
  800-680-7289 (Fraud Hotline)
  800-916-8800 (Report Order)
  P.O. Box 6790
  Fullerton, CA 92634

  Note: Credit Bureaus must provide free copies of credit reports to victims of identity theft.

Contact Creditors’ Fraud Departments - Describe your identity theft problem and follow up with a letter or affidavit. Take advantage of the FTC’s ID Theft Affidavit (PDF, 46k), a standard form that helps simplify the identity theft reporting process. Victims can use it to report to different organizations, such as the three major credit bureaus and banks or creditors—anywhere an account has been opened under the victim’s name. This is very important for credit card issuers, since the consumer protection law requires cardholders to submit disputes in writing. 22) File a Complaint with the Federal Trade Commission (FTC) - The FTC handles complaints from victims of identity theft, provides information to those victims, and refers complaints to major credit reporting and law enforcement agencies. To file a complaint, fill out the online complaint form found at the FTC website.

Take Appropriate Action - If you think you might be a victim of identity theft, take action appropriate to your specific circumstances. Review the following scenarios along with their appropriate actions.

Mail theft : File a report with the U.S. Postal Inspection Service Office. Telephone numbers are listed in the white pages under Federal Government and online at www.usps.gov/postalinspectors.

Unauthorized Credit Card Use or Address Change: Contact your credit card-issuing financial institution. Establish a new password for use before any inquiries or changes are made on the account.

Stolen Social Security Number: Contact the nearest Social Security Administration office to report the suspected abuse.