ID Protect

IDProtect® provides protection for you, joint account holders, your spouse, dependent children up to age 25 and parents living in the same household as the account owner, for any identity fraud event, financial or otherwise, anywhere in the world even if the event had nothing to do with your account at Pacific Community Credit Union.

IDProtect® service is not available to a “signer or “beneficiary” of the account who is not an account owner. IDProtect service is not available to businesses and their employees, trusts, clubs and/or churches and their members, schools and their employees/students.

Fully Managed Recovery

Fully-managed Resolution - A dedicated fraud specialist assigned to mange your case. Experienced recovery professionals will handle the recovery process until your credit and identity is completely restored.

Identity Fraud Expense Reimbursement

Up to $10,000 Identity Fraud Expense Reimbursement* to cover expenses associated with restoring your identity, such as reimbursement for costs associated with attorney fees, loan application fees, long distance calls, certified mail and notarized fraud documents, medical records costs, costs for daycare and elder care, travel and accommodations, as well as coverage for wages lost for time taken off work to correct personal records.


Total Identity Monitoring - monitors your Name, Address, Date of Birth and Social Security Number in more than 1,000 databases to determine if your identity has been compromised - this is also a good way to protect and preserve your child’s identity. (Registration and activation required.) 

Triple-Bureau Credit File Monitoring - provides daily monitoring of your credit reports with Equifax, Experian, and TransUnion for key changes to your reports. Alerts are send via email or text message. (Registration and activation required.)

Triple-Bureau Credit Report - request new report every 90 days or upon receipt of a credit alert. (Registration and activation required.)

Credit Score - receive a new single bureau credit score with every new credit report. (Registration and activation required.)

Debit and Credit Card Registration

Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacements cards. (Registration and activation required.)

Educational Resources/News Center

Get advice on ways to protect yourself from identity theft, read educational tips and access valuable online resources and news related to identity fraud and credit. (Registration and activation required.)

*Identity Theft Insurance underwritten by Insurance company subsidiaries or affiliates of American International Group, Inc. (AIG). The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.

Insurance product is not a deposit; not NCUA insured; not an obligation of credit unions; and not guaranteed by credit union or any affiliated entity.