IDSafeChoice Recovery Group

Congratulations! As a Checking Account holder at Central Willamette, you are eligible to participate in our IDSafeChoice Recovery Group.  For $1 per month - That's $12 per year - you and your entire family will receive fully-managed identity recovery services if any of you become a victim of identity theft.  This includes coverage for:

If you become a victim of identity theft, IDSafeChoice will go to work to restore you credit and your credibility - a process that could save you up to 600 hours of your time.  Surveys show that as many as a third of all victims give up without ever getting back their good name - even after a year of trying on their own.

IDSafeChoice provides you with reassurance that if identity theft strikes - no matter what the reason - a professional is standing by, ready to restore your good name - no matter how long it takes.

If your identity becomes compromised as a result of a lost purse or wallet, a break-in, lost laptop or notification of your involvement in a data breach, IDSafeChoice can help with a Personal Recovery Advocate, who will:

• Place fraud alerts at the three major credit bureaus for you
• Help you access services to watch for identity theft signs
• Pull credit reports and conduct a threat assessment to determine if any identity theft has occurred

If you become a victim of identity theft, your Personal Advocate will:

1. Place fraud alerts at the three major credit bureaus for you
2. Provide you with access to credit reports from all three bureaus and review the reports with you to identify fraudulent activity.
3. Assist you in completing an Identity Theft Affidavit and Declaration of Fraud to establish your rights as a victim.
4. Activate credit monitoring during your recovery to help you watch for additional signs of abuse.
5. Contact the Social Security Administration, U.S. Postal Service, Department of Motor Vehicles, etc. as applicable, to address any misuse of official documentation of your identity.
6. Research and document all fraudulent transactions and false accounts or contracts signed with creditors, banks, utility companies, leasing agents, medical facilities, etc.
7. Follow up to make sure all wrongful activity is reversed and removed from your records.
8. Work with local and federal law enforcement to try to stop the criminal or criminals who are using your identity.
9. Activate other members of the recovery team to assist when necessary, including professional investigators and legal advisors.
10. Provide 12 months of follow-up after your recovery is complete - to be sure you stay recovered!  

If you suspect you are a victim of identity theft, visit any Central Willamette Office or call (800) 950-4536.

We're counting on all of our Checking Account holders to help support this important program - you may decline the coverage by visiting any of our offices or by calling us at (800) 950-4536 to cancel this coverage.

IDSafeChoice Select - Terms and Conditions

1. The IDSafeChoice Select Program is sponsored by the financial institution named herein ("Sponsor").
2. The Sponsor determines the "Eligible Group" - those accounts that will have the benefit provided as part of the account ownership.  Account holders may forfeit the benefit and forego the fee for the benefit at any time ("Select-Out") by following the procedure defined by the Sponsor.  Those account holders who do not Select-Out of the benefit are defined as the "Covered Group."
3. Services are provided to the individual(s) in the Sponsor's Covered Group, and their eligible family members are defined below; the benefit is not extended to business accounts.  Benefits are non-transferable.
4. Benefits are extended to the Covered Group at the discretion of the Sponsoring Financial Institution and may be cancelled upon 60 days notice to the Covered Group.
5. Family coverage extends to the named account holders in the Covered Group, their spouse or domestic partner, dependents up to age 25 with the same permanent residence address as the account holder, including students and military, and parents of the account holder living at the same address as the account holder, or living in hospice, assisted living, nursing home or deceased for 12 months or less.
6. Benefits have no cash equivalent and are non-transferable.  Financial losses of any kind arising from the identity theft are not covered.
7. Eligibility for recovery services is based on ID theft events that are discovered and reported to the Sponsor on or after the effective date of the program.
8. Identity Theft is defined as fraud that involves the use of a consumer's name, address, social security number, bank or credit/debit card account number, or other indentifying information without the knowledge of the consumer, and such information is used to commit fraud or other crimes.
9. Services may be refused or terminated if it is deemed that the individual in the Covered Group is committing fraud or other illegal acts, make untrue statements, or failing to perform his/her portion of the recovery plan.  Services will not be refused or terminated due to the complexity of a case.  A provider of the identity theft services cannot be held responsible for failure to provide or for delay in providing services when such failure or delay is caused by conditions beyond its control.
10. This program does not provide credit counseling or repair to credit which legitimately belongs to the individual in the qualifying group.
11. Services are only available to residents of the United States.  Identity recovery is only performed with agencies and institutions in the United States, or territories where U.S. law applies.
12. Benefits are provided by a Services Provider selected at the sole discretion of the Sponsor.

Cancellation Policy

Services will be cancelled at the end of the month in which the Sponsor is notified that the Eligible Group member or Covered Group member has forfeited the benefit, or the end of the month following the sixty day period after the Sponsor has notified Covered Group members that the plan is cancelled, whichever is first.