In addition to Bank Iowa’s free Identity Theft Resolution Services, you can also purchase optional credit and/or fraud monitoring services* to help you detect potential problems. When you sign up for these services, you’ll have the best of both worlds: a sophisticated early warning system and free, unlimited live expert assistance whenever you need it. When monitoring notifies you via email of any changes to your files that look suspicious or cause concern, you can contact your local Bank Iowa to be put in touch with a fraud specialist to help you interpret the activity, correct fraudulent charges and, if necessary, take immediate action to resolve identity theft and minimize damage.  
 
Credit Monitoring ($4/month) 
Our optional credit monitoring service helps you interpret credit reports for signs of fraud and tracks changes to your credit file. Your credit file is checked for activity every business day. You will be sent email alerts that notify you when new accounts are opened, inquiries are made or changes to personal information occur so you can act immediately to any potential misuse or fraudulent activity.  
 
When you enroll in our credit monitoring services, you will also receive a one-time, 3-in-1 credit report from the three major credit bureaus (Equifax, Experian and TransUnion). This combined report shows the various accounts and addresses listed in your name and any inquiries made to your credit file, which helps alert you to fraud and establishes a baseline from which you can compare future credit activity.  
 
Fraud Monitoring ($4/month) 
There’s more to your identity than your credit report. Ongoing fraud monitoring of over 1,000 public records databases helps track changes in your personal identifiers (such as your Social Security Number and address) to detect early warning signs of fraud.  
 
You will be notified of new additions, inquiries, discrepancies, unauthorized accounts and delinquencies to public records made in your name, which could indicate suspicious activity.  
 
How to enroll in Credit and/or Fraud Monitoring Services 
To enroll in our optional credit and/or fraud monitoring services for only $4 per month, per service*, complete the enrollment form and return to your local Bank Iowa. After you enroll, you will receive your user ID and password via email along with step-by-step instructions for activating the monitoring service(s). 
 
 
*A valid email address is required to enroll in optional credit or fraud monitoring services, and you must enroll for a minimum of one year. Additional family members can enroll for these services for a discounted rate of $3 per month, per service, per person. 


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