• Money is withdrawn from your checking or savings account in small or large quantities.

• Your bank informs you of suspicious spending activities.

• Your bank confirms illegitimate credit activity.

• An ATM machine informs you it is not functioning AFTER you have submitted your card and pin number.

• Someone contacts you and requests your personal information.

• A retail clerk or internet store requests extensive personal information when you are paying by credit or debit.

• You receive notices of credit activity from banks or lenders with which you do not have an account.

• Your credit reports reflect accounts that are not valid.

• Your wallet or purse is stolen with your identification or debit or credit cards in it.

• Assess your situation to determine if fraud has occurred.

• Contact banks, creditors and agencies regarding fraudulent or questionable charges.

• Stop damage to your credit immediately by contacting major credit bureaus.

• Replace your crucial documents including driver's license, passport, and social security card.

• Provide an emergency cash advance if the theft occurs away from home (within restrictions and limits).

• Provide up to $25,000 in recovery reimbursement to cover your losses.

• Support you emotionally with up to 3 in-person visits with a behavioral specialist.

• Provide you with a variety of identity theft services to give you piece of mind.

• Plus, receive FREE credit monitoring through Worldwide Assistance and TransUnion. This free service sends you an email alert whenever your credit report changes!

• Monitor your bank accounts weekly (daily if possible). Look for any transactions that you do not have record of and did not expect. Call your bank immediately regarding any questionable transaction.

• Keep your receipts so that you can compare these to your account transactions.

• Never provide personal information to anyone who contacts you via the phone or internet.

• Do not share your passwords or pin numbers.

• Select pin numbers and passwords that are not obvious but that you can remember without writing down. Passwords that are a combination of numbers and letters (upper and lower case) are best. Try not to use the same pin number and password for all of your accounts.

• If you keep financial records on your computer, make sure that these records require a unique password to access. Do not keep financial records and password information on public or office computers.

• Do not access your financial information from a public computer or using a non-secure wireless network.

• Do not carry around bank, credit cards, or other forms of identification such as social security cards or passports that you do not use on a daily basis. Lock these in a safe or safe deposit box.

• Before leaving a restaurant or retail store where you are paying by credit card, make sure that the merchant's receipt does not show your entire credit card number.

• Be wary of ATMs that claim to be "Fee Free". ATM operators offer cash services as a way to make money. "Fee Free" services can be a red flag to let you know that the machine is not legitimate. The exception is your bank which may offer fee free services to its customers.

• Be wary of ATM machines that are free-standing outside of a building. These easily moved machines may be illegitimate ATMs whose sole purpose is to collect your banking information.

• Do not throw away bank or credit card statements without shredding them first.

• If your mailbox does not lock, consider installing a locking mailbox. Thieves have been known to steal account statements, checks, new credit cards and more from unlocked mailboxes.

• Be sure to check your credit report from each of the 3 main credit bureaus (Experian, Equifax and TransUnion) at least annually. Report any conflicts or erroneous information immediately. Everyone is entitled to one free credit report from each of these companies every year. Click Here to request your free credit reports.

• Only maintain the number of credit cards that you actually need. Don't sign up for every card that you receive an offer from. This will make it a lot easier to notice something unusual on your credit report and will minimize the number of cards that can potentially be stolen from you.

• Remember, offers that seem to good to be true usually are! Don't respond to emails and phone calls from folks offering unbelievable deals for a small transaction fee.

• Protect yourself and gain piece of mind with Identity Theft Coverage.