Identity Theft

Think you don’t need identity theft protection? Think again.

Identity Theft is consistently among the top complaints to the Federal Trade Commission each year. Rampant data breaches, impacting millions of records, are putting consumers at great risk of identity theft. It can happen to anyone - regardless of your age and income, where you live, or how careful you are.

Restoring your identity on your own can be time-consuming and stressful. After a while, some people give up, leaving them to contend with the aftermath of identity theft for years to come, including fraudulent bills, collections activity, damaged credit and even criminal records. With more than 30 different types of identity fraud reported to the Federal Trade Commission, you may be affected in ways you have not considered.

Central Willamette has partnered with NXG Strategies - a leader in identity theft remediation and breach response - to create a program to meet your identity security needs.

All consumer checking accounts include nxg|PROTECT. This concierge-like program provides end-to-end solutions to address the ever-increasing risks associated with data breach and identity theft. nxg|PROTECT can help you plan for and recover from the effects of identity theft as well as provide you with access to mobile phone coverage.

Identity Recovery Services

All Central Willamette checking account holders and their 3G family members have access to Identity Recovery Services. These benefits are already working for you without any additional registration.

Fully Managed Identity Theft Recovery

If you become a victim or suspect you might be a victim of identity theft for any reason, we are here to help. Professional, dedicated Recovery Advocates are standing by and will manage your identity theft incident and resolve suspected or confirmed fraud until completion, with no time limit. Your Fully Managed Identity Theft Recovery Services extend to cover three generations of your family (3G) and continue to provide coverage for up to 12 months after death. With more than 30 different types of identity fraud reported to the Federal Trade Commission, you may be affected in ways you have not considered. You are covered for both financial and non-financial identity theft.

Identity Theft Expense Reimbursement Insurance

This benefit covers out-of-pocket expenses incurred by you during the recovery of your identity up to $10,000.  These expenses may include attorney’s fees, mailing expenses, fees for notarizing affidavits and documents, and lost wages due to time off from work to fight the identity fraud.

Mobile Phone Coverage

Mobile Phone Coverage provides insurance coverage up to $250 minus a $50 deductible for your cell phone’s repairs or replacement due to accidental damage or mechanical failure.  Pre-registration is not required and this coverage applies to both your new and used cell phones and smartphones. You are allowed 1 claim each 12-month period that you are eligible. Click for more details.

Click here for Terms and Conditions of nxg|Protect.

You CAN Fight Identity Theft

Here's How:

  • Never provide personal information, including your Social Security number, account numbers or passwords, over the phone or the internet if you did not initiate the contact.
  • Never click on the link provided in an email you believe is fraudulent. It may contain a virus that can contaminate your computer.
  • Do not be intimidated by an email or caller who suggests dire consequences if you do not immediately provide or verify financial information.
  • If you believe the contact is legitimate, go to the company's website by typing in the site address directly or using a page you have previously book marked, instead of a link provided in the email.
  • If you fall victim to an attack, act immediately to protect yourself. Alert your financial institution. Place fraud alerts on your credit files. Monitor your credit files and account statements closely.
  • Report suspicious emails or calls to the Federal Trade Commission through the internet at https://www.ftccomplaintassistant.gov/, or by calling 1-877-IDTHEFT.

Useful Resources:

If suspicious, place a fraud alert on your credit report with all three credit bureaus:

  • Experian, 888-397-3742
  • Equifax, 800-525-6285
  • TransUnion, 800-680-7289