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As identity theft and fraud continues to rise nationwide, the need for Identity Theft Recovery Services has become increasingly necessary.


What is identity theft?
Identity theft is defined as the process of using someone else’s personal information for your own personal gain. ID theft can happen to anyone, and it can come in all shapes and sizes.

According to the FTC, there are more than 30 types of identity theft affecting millions of Americans each year. For example:

  • Your credit card digits could be stolen and used to make online purchases
  • A thief could impersonate you to open up a loan in your name
  • Someone could use your personal information to apply for a job.

Identity Theft Recovery Services

Guthrie Federal Credit Union is proud to offer identity theft recovery and monitoring services as part of our Advantage Plus Checking.

In addition to one free box of checks per year, waived fees for cashier's checks, money orders, phone transfers, temporary checks and statement copies, .10% CD rate bonus and .25% loan rate discount, Advantage Plus Checking includes:

  • A personal Recovery Advocate standing by to research and resolve any identity theft issue that you may suspect, or evidence of identity fraud that you discover
  • Insurance for reimbursement of expenses incurred in recovering from identity theft
  • Credit Monitoring with alerts to significant changes in your TransUnion® credit file
  • Dark Web Monitoring to scan the deep and dark web using sophisticated technology and alerts you if your personal information or registered credentials have been compromised
  • Mobile Phone Coverage to provide insurance coverage up to $500 minus a $50 deductible for your cell phone’s repairs or replacement due to accidental damage, mechanical failure or theft

Go to to learn more about these identity protection and mobile phone coverage services, or to activate credit monitoring if you are already a member.


What can I do to protect myself?

There are a few simple steps you can take to limit your exposure to these crimes:

  • Don’t give your account number and credit union routing information to anyone you don’t know.
    Give out your account information for transactions only if you are familiar with the company you are dealing with. And if you have not done business with a company before, give out account information only if you have initiated the transaction. Criminals may ask you for your bank account number and then withdraw money from your account by creating a demand draft (sometimes called a "remotely created check") or making an electronic transfer. They may also ask for your debit or credit card number and other personal information. Don’t fall for these scams and don’t let yourself be pressured into "free trial offers." To be removed from telemarketing lists, sign up for the National Do Not Call Registry online ( 
  • Review your monthly statement.
    Make sure all the checks, debits, automatic payments, and other withdrawals are ones you authorized. If you see a transaction you did not authorize, notify your credit union immediately. If your credit union has online banking, you don’t have to wait until your credit union statement comes--you can check your transactions at any time. 
  • Notify Guthrie Federal Credit Union about any problems as soon as possible.
    The sooner you alert us to a problem, the sooner they can get it resolved. In some cases, your credit union may require you to notify them in writing. Keep copies of any documents you give the credit union until the problem is resolved. If you think the problem is a result of fraud, you should also contact your state attorney general. 

Don’t be one of the millions of Americans each year who have their identity – and money – stolen.