Butte Community Bank | Fraud Protection Plus

Identity theft occurs when someone uses your personally identifying information, like your name, Social Security number or credit card number, without your permission, to commit fraud or other crimes.

The Federal Trade Commission estimates that as many as 9 million Americans have their identities stolen each year. In fact, you or someone you know may have experienced some form of identity theft.

Identity Theft Protection from Butte Community Bank

Fraud Protection Plus from Butte Community Bank is a comprehensive suite of powerful fraud prevention services that work around the clock to safeguard your credit and identity. Our integrated solution includes:

Identity Theft Insurance with Fraud Assistance ‡
For victims of identity theft, it can be a time-consuming and costly job clearing one's good name. You'll have up to $10,000 in financial compensation for qualified expenses incurred in the recovery of your stolen identity. Included in this benefit is Fraud Assistance, a comprehensive service designed to help with the hassle of clearing your good name. You'll receive expert help to assist you in organizing paperwork, advising you about notifying creditors and more. (This coverage is not available to residents of the state of New York.)
Card Patrol™ **
Identity thieves care about one thing – stealing your personal information and selling it to make money. Our sophisticated, real-time, early warning technology monitors various chat rooms across cyberspace where thieves could be selling and trading stolen credit and debit cards. In the event that identity theft occurs, help will be waiting. A personal caseworker will be assigned to help you restore your good name.
Payment Card Protection
Register all your credit, debit, ATM and check cards at one time and in one place. As a member, you'll feel more secure knowing that you are protected. If your cards are lost or stolen, simply call one convenient toll-free number 24 hours a day to cancel cards, stop unauthorized purchases and request new cards. You'll also have the security of knowing that if you are more than 50 miles from home and have reported the cards lost or stolen you have access to:

Emergency Cash
Emergency Airline Tickets
Some restrictions may apply
Credit Alert® *
With 24-hour, daily credit monitoring, you'll be alerted automatically of certain negative changes to your credit. While it can’t prevent identity theft, Credit Alert can greatly reduce its impact by allowing you to minimize the damage. In the unfortunate event you receive notification of a negative change, you'll be provided with access to the Credit Information Hotline. The hotline is staffed with trained individuals ready to provide answers to commonly asked questions. If there are no changes to your credit, you'll even receive a quarterly notification letting you know that nothing has changed. Your initial enrollment in Credit Alert will be valid for one year with an option to re-enroll at no additional cost!
Debix Fraud Defense™ †
Help stop identity theft before it happens. The Debix Identity Protection Network™ goes to work at the moment that matters most: when a thief could be attempting to get credit in your name. A credit issuer can choose to trigger a Debix Fraud Alert warning call to you. You use your personal security code to authorize the credit — or block it. Without your code, no one can impersonate you. The patent-pending Debix technology allows credit issuers to communicate personally and securely with account holders. This instant automated verification system can ensure that a credit authorization transaction is legitimate because only you know your personal security code.

Enrollment

Fraud Protection Plus is available to all customers with Butte Community Bank personal checking accounts in good standing.
Program fees will be automatically deducted from your Butte Community Bank personal checking account monthly.
One-time enrollment fee: $5.00 per account (up to two joint owners)
Low monthly fee: $5.00 per account (up to two joint owners)
No minimum balance required.

Contact

Call: 1-888-842-8883
Click: Contact Email
Visit: 15 North State Locations

Documentation

Brochure: Fraud Protection Plus (2.95 MB PDF)
Flyer: Fraud Protection Plus (2.27 MB PDF)

Please Read

‡ Identity Theft Insurance is offered through the insurance company named on the Benefit Summary included in the membership kit. Please refer to the Summary for complete details of coverage, limitations and exclusions.

** Card Patrol monitors personal information on the Internet by searching public databases and chat rooms. It is impossible to ensure all sources of information have been searched; therefore, your reports may not contain or apprise you of all of your personal information that may have been compromised.

* Credit Alert is not a credit counseling service and does not promise to help you obtain a loan or improve your credit record, history or rating. The Credit Alert service may be modified or improved at any time and without prior notice. Credit Alert is a registered service mark of Affinion Publishing, LLC. Daily monitoring will notify members of any inquiries, significant changes in credit score, certain derogatory information, or accounts that have been added to their credit reports as reported by one of the three major credit reporting agencies. If no information has been added or changed, then the member will receive a quarterly notification stating that no information has changed within their credit file. Neither the Plan Administrator, the provider of the Credit Alert service, or its credit information subcontractors, nor Financial Services Association shall have any liability for the accuracy of the information contained in the Credit Alert reports which you receive, including any liability for damages, direct or indirect, consequential or incidental.

† Debix Fraud Defense. When credit issuers receive applications to open new credit accounts in your name, they can take reasonable measures to verify the identity of the person opening the account, including calling Debix Fraud Defense at the phone number shown in the Fraud Alerts placed in your credit files. If the credit issuer calls, Debix Fraud Defense will then call you to verify that you have requested that new credit. However, Debix Fraud Defense cannot guarantee that new credit accounts will not be opened in your name because credit issuers can use reasonable steps, other than a phone call, to verify your identity.

Insurance Disclosure
The insurance offered is not a deposit, not FDIC insured, not an obligation of or guaranteed by the financial institution or an affiliate, and not insured by any agency of the United States Government.