Family ID Restoration

Commerce Bank offers Family ID Restoration from Deluxe^® Provent^SM, a leader in identity theft restoration services, for just $1.95 per month for your household (fee waived for CommerceOptions^SM Plus and Premium, Benefits Banking Plus and Premium and Private Options accounts).

If anyone in your household¹ becomes a victim of an Identity Theft Event,² and files a police report, this powerful service will be there to help you reclaim your identity and reestablish your credit by assisting you to:

Notify the three national credit bureaus to place fraud alerts on your credit reports and specialists will review your credit reports to identify evidence of the Identity Theft Event
Contact banks, credit card companies and merchants to freeze or close any accounts compromised by or resulting from the Identity Theft Event and assist with the replacement of government-issued identification
Provide up to $25,000 in Identity Theft Expense³ reimbursement to help with the costs associated with restoring your identity

If you prefer, a dedicated resolution specialist can act with you and on your behalf,⁴ if you submit the required documentation and execute a limited Power of Attorney form.

In addition, should you experience an Identity Theft Event, Family ID Restoration provides:

EZShield Internet Monitoring^SM, which for one year scans the internet for your personal and credit information and alerts you if your information is found
EZShield Vault^®, which for 3 months provides you with access to an online password protected account to store and organize your important documents

Plus , Family ID Restoration allows you to take action before your identity is stolen. You’ll have access to:
- Up-to-date education, tools and resources for the prevention of identity theft
- EZShield Wallet, which allows you manage your personal information online in a password protected, encrypted area, eliminating paper trails, and reducing the risk of fraud and identity theft

Enroll now for Family ID Restoration:

Log in to Online Banking and select "Enroll for Family ID Restoration" under "Account Services" in the "Customer Service" section
Stop by your nearest Commerce Branch
Call 800-453-2265

To obtain a copy of your Identity Theft Expense Reimbursement Certificate of Insurance or to access your EZShield Wallet,
please call 866-460-0095.

Disclosures:

To be eligible for Family ID Restoration, you must have a Commerce personal checking account, reside in the United States or its territories, and be a legal adult in your state of residence. The Service also applies to the spouse or domestic partner (any person living in a legally recognized domestic partnership with Customer in their state of residence) of the registered Customer, dependent children under the age of 21 who live with the Customer and dependent children under the age of 25 who are full-time students, as determined by IRS dependency requirements.
Identity Theft Event means the use of Customer's name, address, Social Security number, bank or credit card account number, or other identifying information without Customer's knowledge to commit fraud or other crimes.
Identity Theft Expenses are (1) Legal expenses: reasonable and necessary attorney fees or court costs associated with defending any suit brought against you by merchants, financial institutions or other credit grantors, or their collection agencies, or the removal of any criminal or civil judgment wrongly entered against you as a result of identity theft; (2) Lost wages up to $500 per week, maximum four weeks: actual U.S. wages or salary you lose as a direct result of time off work taken by you to report or address the effects of identity theft; and (3) Miscellaneous: loan applications fees, long distance telephone costs, mailing and postage costs, costs of having affidavits or other documents notarized as a result of identity theft and costs to purchase up to four credit reports from any of the three major credit bureaus (Experian, Equifax or TransUnion). The credit reports may be purchased only after the identity theft has occurred and for the purpose of correcting inaccuracies that occur as a result of identity theft. Fees and costs from investigators are not covered. Other limitations may apply, please refer to Terms and Conditions for details. Identity Theft Expense Reimbursement coverage provided by Virginia Surety Company, Inc., 175 W. Jackson Blvd., Chicago, IL 60604, 1-312-356-3000 and administered by TWG Innovative Solutions, PO Box 87719, Chicago, IL 60680, 1-800-888-9873, via form number(s) ID-MEMF-COI (9.08) and ID-IND-F (9.08). Identity Theft Expense reimbursement coverage not available in Florida. There is a $10,000 Identity Theft Expense reimbursement limit in the following states: Alaska, Hawaii, New York, Ohio, Pennsylvania and Washington.
Limited Power of Attorney advocacy not available to residents in the State of New York, all other services apply.