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First National Bank of Germantown is proud to offer Identity Theft Restoration Services and Credit Bureau Monitoring alongside our deposit and loan products.  Our goal is to assist you in keeping your private information safe and out of the hands of criminals. With ID TheftSmart solutions, you'll be able to receive alerts regarding changes to your credit and monitor activity in real time.  If you happen to fall victim to identity theft, you'll be put in touch with a licensed investigator that will assist you in restoring your identity and removing issues as a result of theft.

Identity Management Services

Members who are victimized by an identity thief benefit from Kroll's comprehensive restoration services.  Restoration includes investigation of emergent and potentially complicated trails of fraudulent activity; making phone calls; issuing fraud alerts; interacting with affected financial institutions; and preparing appropriate documentation. The types of identity theft often addressed include, but are not limited to:

  • New Credit Account Fraud (opening of credit accounts in a victim's name)
  • Bank Fraud (fraudulent activity surrounding banking)
  • Healthcare fraud (treatment obtained in your name)
  • Health Insurance Fraud use of insurance information to obtain care or funds)
  • Government Benefits Fraud SSA disability, unemployment, Medicaid)
  • Employment Fraud (gaining employment utilizing a victim's identifiers)
  • Tax Fraud (using a victim's SSN when filing tax return)
  • Criminal ID Theft (committing a crime using your identity)
  • Bankruptcy/Liens/Judgments (fraudulent actions resulting judgments against victim)
  • Driver's License Fraud (obtaining a license or state ID as the victim)
  • Utilities and Housing Fraud (accounts opened in your name)
  • Collection Efforts (related to any of the events listed above)

First National Bank of Germantown offers three pillars of ID Management Services:

Immediate and Direct Access

  • Consult on best practices for managing Personal Identifying Information (PII)
  • Provide safety guidelines for communicating and interacting online
  • Provide cardholders information about their rights under federal and state laws
  • Consult on best practices for consumer privacy
  • Access to a personal advocate if identity theft occurs

Analyze, Consult, and Prepare

  • Provide an action plan when information has been compromised
  • Help with interpreting and analyzing credit report
  • Fraud alert assistance
  • Credit freeze consultation
  • Provide personal assistance when suspicious issues extend beyond initial findings

Resolve and Restore

  • Confirm identity fraud and identify its nature and scope
  • Assist in obtaining a police report
  • Provide tri-merge credit report and perform full non-credit searches
  • Work on behalf of members until all identity theft issues have been verifiably resolved
  • Place sever-year fraud victim statements with credit reporting agencies when applicable



ID TheftSmart investigators will do the bulk of the work for a fraud victim. Not as a 'counselor', not alongside, not in conjunction with, but as an advocate on their behalf.

Credit Monitoring

Credit Monitoring notifies participating consumers of activity in their credit file.  An alert is provided when any one of the following activities is reported:

  • New Account Openings
  • Credit Inquiries
  • Payment Delinquencies
  • Public Record Changes
  • Change of Address

The Credit Monitoring service allows consumers to identify inaccuracies in credit data being reported by creditors. It also offers consumers early detection of potentially fraudulent activity in their credit file. In addition, consumers have access to trained credit specialists to answer any data questions of the phone on their monitoring report.  The credit specialists act on behalf of the consumer and can submit disputes to credit reporting agencies. Credit monitoring can save valuable time and the frustration that can follow. Credit Monitoring offered by FNB Germantown includes activity alerts on any of the three major credit bureaus, Equifax, Experian, and Trans Union.  Most competitors only offer single-bureau monitoring for the same price!

Protect yourself today by signing up for Credit Monitoring!