ID Theft Monitoring

IDPROTECT® – identity theft monitoring and resolution services1 for you, your joint account holders, and your family.

✔︎  $10,000 Identity Fraud Expense Reimbursement Coverage - Restoring one’s name and good credit is time consuming and expensive. Identity theft victims must endure a number of costly steps to re-establish their identities and dispute fraudulent debts and accounts opened by an identity thief. You are protected with up to $10,000 of Identity Theft coverage to cover expenses incurred in the recovery of a stolen identity…such as lost wages, legal fees, certified mail and long distance charges.
✔︎  resolution services - As an eligible accountholder, you are provided with identity theft resolution services. Should you become a victim of identity theft, a dedicated fraud specialist will be assigned to manage your case. Your recovery professional will walk you through the recovery process and assist you until your credit and identity are restored. 
✔︎  monitoring benefits, credit report and score - Time is of the essence in discovering identity theft, since the quicker it is discovered; the easier it is to recover from it. Monitoring is a critical component in discovering identity theft quickly in order to limit the amount of damage that can be done.  Monitoring Benefits, including Credit Report and Credit Score must be activated. You will be required to complete authentication.
✔︎  identity monitoring - IDProtect Identity Monitoring searches and monitors thousands of databases and billions of records looking for suspicious activity that could indicate the beginning steps of identity theft.
✔︎  credit card registration - With IDProtect credit card registration service you can register your credit, debit and ATM cards so that you may have easy and quick access to them in the event they are lost or stolen. All you have to do is call the Benefits Service Center at 1-866-210-0361 (24 hr Credit Card Assistance Line) if your cards are lost or stolen and we will work quickly on your behalf to notify card issuers and request replacement card(s). Some card issuers may require cardholders to call them directly - however, IDProtect will alert card issuers regarding the lost or stolen card so the account can be noted and will contact cardholder with further action required by the cardholder if any. 

What are Clients Saying...

  • “Each month I receive an email from F&M & Trust - Credit Monitoring. It reassures me that my credit will be monitored daily and that I will be notified if changes occur. I enjoy getting this notification monthly." F&M Bank & Trust Client, 51 Years
  • "When your Credit Score is pulled, you get a notification telling you it has been done. Even though I was purchasing a new camper, it was nice to know if someone else was trying to use my credit...I would be notified." F&M Bank & Trust Client, 15 Years

Register/Access your F&M Checking Account benefits at in a new Window).(Opens in a new Window).
For general questions regarding this benefit, call the Benefit Administrator at 866-210-0361.

To Register your F&M Checking Account benefits online or with the App. 
You will need to contact a F&M Client Service Representative to get your Access Code. 


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*Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit for complete details of coverage and exclusions. Coverage is offered through the company named in the Guide to Benefit.