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ID Restoration

Identity Theft Services

Identity Theft Services

Managing your identity is more important than ever. Commerce Bank works with Deluxe Provent and EZ Shield to offer you peace of mind and 24/7 live support when you need it most.1

Commerce ID Monitor:

  • Proactive Monitoring and Alert services – provided for you and one family member

    Daily scans of credit file

    Personal info scans on the
    internet/dark web

  • Document storage

    Encrypted storage for documents with access on your phone

  • Password Manager

    Keep your user IDs and passwords in one encrypted location for easy access from your phone

  • Restoration services
    (provided for your household)

    Knowledgeable assistance in case of an identity theft event2 or help with a lost or stolen wallet

  • Expense reimbursement
    (provided for your household)

    Up to $25,000 reimbursement for identity theft related expenses 2,3

  • Timely news and tips

    Breach and fraud news alerts; monthly reports

  • Just $8.95/month.
Enroll in the Commerce ID Monitor serviceEnroll now

Identity theft can strike at any time

Identity theft can strike at any time, learn how Commerce can give you peace of mind

Learn more about Identity theftLearn More

Not right for you?
Commerce ID Recover:

Offers the same services EXCEPT proactive monitoring
Only $4.49/month

Enroll in the Commerce ID Recovery serviceEnroll now
How to prevent ID theft infographic

Questions about which account is right for you?

Enroll for the Commerce ID Restoration serviceEnroll now or just give us a call if you need help.


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  1. To be eligible for Commerce ID Recover and Commerce ID Monitor, 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 applies to the Commerce personal checking account holder and the spouse or domestic partner (a person who, although not legally married to the registered Customer, has cohabitated with the Customer for a period of at least one (1) year and is publicly represented as the Customer’s domestic partner in the community in which they reside), 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.

  2. 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’ knowledge to commit fraud or other crimes.

  3. 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 4 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; or (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 the Terms and Conditions for details. Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of America International Group, Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.

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