FraudScout can help reduce your risk of becoming a victim of identity theft or fraud, provide early alerts to help mitigate damages, and if you are targeted, it is there for you with Identity Theft Expense Reimbursement Insurance.
FraudScout is available with the following checking accounts.
- Essential Checking
- Rewards Checking
- Rewards Plus Checking
- Premium Rewards Checking
IMPORTANT ENROLLMENT PROCESS INFORMATION
Opting to accept or purchase any of these FraudScout products is your ticket to peace of mind. However, you will need to finalize the purchase before any of the product’s benefits can begin.
You will receive an email from CyberScout approximately 48 hours after completing your new account application with Vantage West. To finalize your purchase of FraudScout, you MUST click the link provided in that email, and follow all enrollment instructions, including acceptance of CyberScout’s terms and conditions. If you do not complete this process, you will not receive any of the product’s benefits, as listed above.
TO ACCEPT OR PURCHASE A FRAUDSCOUT PRODUCT THROUGH VANTAGE WEST, YOU MUST:
- Be a Vantage West member or Joint Owner
- Be 18 years of age or older
- Have a valid Social Security Number
- Have a valid email address and access to the internet
|Cost||$5.00/month. Free with Rewards Plus Checking||$9.00/month||$14.99/month|
|Credit Report & Score||Annual Experian® report and score available immediately after registration||Annual Experian®, Equifax and Transunion available immediately after registration||Annual Experian®, Equifax and Transunion available immediately after registration|
|Credit Bureau Monitoring||Same-day alerts and updates when changes occur with credit file||Same-day alerts and updates when changes occur to any of Experian®, Equifax, or TransUnion credit files||Same-day alerts and updates when changes occur to any of Experian®, Equifax, or TransUnion credit files|
|Identity Theft Expense Reimbursement Insurance||$25,000 policy, $0 deductible||$25,000 policy, $0 deductible||$25,000 policy, $0 deductible|
|Cyber Monitoring||Internet surveillance and reports of compromised personal identity data with alerts for bank accounts and medical/insurance records. User enrolled personal identity data monitored which may include credit or debit card, SSN, email address, telephone number, bank account numbers, routing numbers. User will receive an alert if their enrolled information is bought/sold on the internet. Medical/insurance records monitored via user’s policy number and medical identification numbers.|
|Change of Address Report & Monitoring||Initial report at enrollment, then alerts and monitoring of/for requests for changes of address made utilizing user’s name and address.|
|Sex Offender Registry Report & Monitoring||Initial report at enrollment, of registered sex offenders near home/neighborhood, then monthly monitoring and alerts of names and addresses assure user has not been wrongly classified as a sex offender. Alerts based on user’s name and address.|
|Social Security Trace Report & Monitoring||Initial report at enrollment and monthly monitoring of social security number. Allows user to see if SSN is used with another name or identity.|
|Court Records Report & Monitoring||Initial report at enrollment and monthly monitoring of all available digital criminal records with alerts. Alerts user if those records indicate that a criminal act is booked or reported in the court system with user’s identity. Alerts based on user’s name and date of birth.|
|Non-Credit Loans Report & Monitoring||Initial report at enrollment and, monitoring and alerts of non-credit loans taken using user’s name, social security number, date of birth, or street address.|
|Sign Up||Sign Up||Sign Up|
Service is not automatic and enrollee must complete all enrollment steps before receiving any FraudScout benefits. Additional service bundles available for purchase. Must be 18 years or older with a valid Social Security Number, email address, and access to the internet. See FraudScout Terms and Conditions for additional information.