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Routing # 324173383

Fraud Protection

Identity theft is a billion dollar business for thieves and a billion dollar loss for the rest of us. As a result, recent regulation enacted by the Fair and Accurate Credit Transactions Act (FACTA) requires that we put in place additional measures to safeguard your account and our financial institution. This ensures that your accounts are safe from identity theft, credit report fraud, and other types of account fraud.

Fully-Managed Identity Recovery – How It Works

If you or a family member suspects identity theft of ANY kind - utilities fraud, medical fraud, fraud on your accounts or credit with other financial institutions - PFCU has you covered. Even if personal information becomes compromised as a result of a lost purse or wallet, a break-in, lost laptop or notification of a data breach. Simply contact PFCU, and a representative will verify your information and securely submit your case to a Personal Recovery Advocate. They will contact you directly to find a resolution.

The trained and certified identity restoration professionals will take the following steps to protect you and your loved ones.

  • Place fraud alerts at the three major credit bureaus for you.
  • Provide you with access to credit reports from all three bureaus and review the reports with you to identify fraudulent activity.
  • Assist you in completing an Identity Theft Affidavit and Declaration of Fraud to establish your rights as a victim.
  • Activate credit monitoring during your recovery to help you watch for additional signs of abuse.
  • 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.
  • Research and document all fraudulent transactions and false accounts or contracts signed with creditors, banks, utility companies, leasing agents, medical facilities, etc.
  • Follow up to make sure all wrongful activity is reversed and removed from your records.
  • Work with local and federal law enforcement to try to stop the criminal or criminals who are using your identity.
  • Activate other members of the recovery team to assist when necessary, including professional investigators and legal advisors. Click here for a general overview of this process.
  • Provide 12 months of follow-up after your recovery is complete – to be sure you stay recovered!

To offset the cost of security measures, a service charge of $1.99 per month will be debited from your checking account to fight identity theft and fraud. It will appear on your statement as "ID Theft Protection".

If you have any questions about how this fee pertains to you or your account, please visit your local branch or call us at (208) 587-3304. To review our terms for identity recovery services, click here.

To learn more about the growing problem of identity theft, and to learn how to protect yourself against its devastating effects, visit www.idtheftedu.com.

Purchase Identity Theft Detection Tools

As part of this group program, PFCU also provides you with discounted access to additional identity theft detection and recovery tools, including credit monitoring and reimbursement for expenses incurred for identity theft recovery.

If you have any questions about this membership benefit, please visit your local branch. At Pioneer Federal Credit Union we remain committed to protecting you and your accounts against the effects of identity theft.

See below for great Fraud Prevention resources.