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Protecting Your Identity

Help protect against identity theft.

To help protect against fraud and identity theft, Partners is committed to ongoing security and monitoring of our Member accounts. If there is suspicious activity detected, there is no liability for unauthorized charges on your account. We will replace your card immediately. If there is anything unusual on your account, we will call or email you, but we will NEVER ask for login credentials or ask you to transfer funds.

How You Can Protect Yourself

  • Safely access your Partners accounts in Online Banking or the Mobile App to monitor your transactions and account activity. You can also set up fraud alerts for both your checking account and credit card.
  • Safely use your debit and credit cards. Your Partners Visa® debit and credit cards are equipped with an embedded microchip and/or contactless chip to provide greater security and reduce counterfeit fraud. Rather than swiping, insert your card into a chip-enabled terminal or tap-to-pay where you see the Contactless Symbol to complete a transaction. 
  • Refrain from giving out your username and password. When you do so, you are giving another person not only access to your account but also permission to make any changes without your authorization.
  • Update your password regularly. Oftentimes, we may not remember to do update our passwords with our personal accounts. We encourage you to avoid repeating passwords across your accounts and update your personal account passwords at least every six (6) months.
  • Set-Up FREE account alerts for your checking account and credit cards with the Partners Mobile App. Get customizable notifications, including fraud alerts, an essential tool that can help you quickly detect potential threats to your account when it happens and take immediate action.
  • Review your credit at least once a year to ensure what is being reported is correct. Visit to pull your credit report from all three credit bureaus.
  • Select paperless documents and access your account statements and documents online. This decreases your chances of paper getting lost or stolen in the mail. 

Be Aware

  • Stay alert. Legitimate businesses do not make unsolicited calls for personal, sensitive information like full social security number, full bank account number, debit or credit card numbers, CVV or PIN.
  • Check email addresses. Spot a phishing email by verifying the sender's email address. Scammers will misspell, add characters, and simulate names in email addresses and domains. Do not click on links if you are suspicious.
  • Text alerts will never include a link to be clicked. We will only provide information about the suspicious card transaction(s).
  • Contact us immediately if you received a voice or text message from Partners and are not sure how to respond.
Card Skimmers
A device that is placed over the card slot of payment terminals to scan and copy the card number.

Handheld Credit Card Skimmers
A smaller version of a card skimmer that can easily fit in your hand. These devices can also scan the card number off of a debit/credit card.

ATM Overlays
A keypad placed over the original keypad to copy the pin number instantaneously as it is being utilized. In certain cases, there may be a card skimmer and an overlay on a machine to allow thieves to get as much information as possible.

Phishing E-mails
Emails sent in an attempt to acquire sensitive information such as usernames, passwords, and credit card details. It is very common for these emails to look like they have come from proper or familiar sources.

Data Breach
A security breach is when sensitive information is copied, transmitted or stolen by an unauthorized individual. This can consist of financial information or other personal information such as health records, identity information, and intellectual property.

Wire Transfer Fraud
Wire transfer crimes occur when personal banking and business banking customers are deceived by fraudsters to wire money to them. They use language that might be specific to the person or the company they are targeting and then request a fraudulent wire transfer using dollar amounts that would not be out of the ordinary based on the customer. The cybercriminals use phishing emails and then leverage trusted relationships between individuals who authorize wire transfers and those who send them out. The scam is not just specific to businesses or other organizations that regularly make wire payments. Anyone can be a victim of this type of cybercrime and should take every precaution to protect themselves.

Social Engineering
All scammers use what’s called “social engineering” in order to motivate your behavior. In other words, scammers misrepresent themselves to fool you into doing something that benefits them. Pay attention to unsolicited messages and if it’s too good to be true, it probably is. Learn more about social engineering scams in the next section.
Call the Company(s) Where the Fraud Occurred
This will ensure that they put a freeze on your credit card or the account used.

Place an Initial Fraud Alert on Your Credit Report
This will prevent any new credit from being issued without your authorization. There is no fee for you to place this fraud alert. If indeed you are a victim of identity theft, this fraud alert will stay on your credit for seven (7) years. If it is a preliminary fraud alert and you are not a victim, the fraud alert will only stay on your credit report for 90 days.

Order Your Credit Report
You can order your annual free credit report on or any of the three credit bureaus. Go through all of the current trade lines and your credit history to make sure everything is reported correctly.

Create an Identity Theft Report with the Federal Trade Commission (FTC)
If you are a victim of identity theft, filing an identity theft report is the only way to make sure you aren’t liable for any of the expenses charged.

File a Police Report
In order to complete the identity theft report, you will need a police report—regardless of the amount that has been stolen.

Consider Enrolling in a Credit Monitoring Service
Consider enrolling yourself in a credit and/or identity monitoring service that alerts you to unusual activity on your credit. A good credit monitoring service provides alerts when new accounts are opened or if your information is changed. Credit monitoring is a great preventative step to stop identity and account takeover fraud or at least reduce its impact.
Resource Contact
Federal Trade Commission
Identity Theft Resource Center
PO Box 105069
Atlanta, GA 30349-5069
To order a report: 800.685.1111
To report fraud: 800.525.6285
PO Box 2002
Allen, TX 75013-0949
To order a report: 888.397.3742
To report fraud: 888.397.3742
PO Box 1000
Chester, PA 19022
To order a report: 800.916.8800
To report fraud: 800.680.7289
Annual Credit Report
National Credit Union Administration (NCUA)

LifeLock by Norton

The sensitive information you send online might not be as secure as you’d like. And if it gets exposed on the dark web or in a breach, identity thieves can get their hands on it very easily. But figuring it out all by yourself? That can be very difficult. LifeLock™ by Norton™ helps protect your personal information by detecting and alerting you to threats you may not spot on your own.

If you do become a victim, a dedicated U.S.-based Identity Restoration Specialist will work to fix it–all backed by our Million Dollar Protection Package. Identity thieves have had it dangerously easy for too long. Now it’s easy to help protect yourself. Enroll in minutes at With Partners, get 15% off your first year.

Product Features
  • Monitoring and Alerts: We monitor and alert you to identity threats you could miss like payday loans or crimes committed in your name.
  • Identity Restoration: If your identity is stolen, a U.S-based Identity Restoration Specialist will work on your case from start to finish.
  • Million Dollar Protection™ Package: All plans have $1 million coverage for lawyers and experts, if needed to help fix identity theft that occurs while a member.††

No one can prevent all cybercrime or identity theft. The LifeLock alert network includes a variety of product features and data sources. Although it is very extensive, our network does not cover all transactions at all businesses, so you might not receive a LifeLock alert in every single case. ††Reimbursement and Expense Compensation, each with limits of up to $25,000 for LifeLock Defender, LifeLock Defender Choice, and LifeLock Defender Preferred. And coverage for lawyers and and experts, up to $1 million, if needed, for all plans. Benefits under the Master Policy are issued and covered by United Specialty Insurance Company (State National Insurance Company, Inc. for NY State members). Policy terms, conditions and exclusions at:

Important Subscription, Pricing and Offer Details: Your subscription begins when your purchase is completed (or otherwise, when your payment is received). You must download and install on each device or complete enrollment to get protection. [If promo code: Special offer(s) may expire.] By subscribing, you are purchasing a recurring subscription which will automatically renew. The price quoted today is valid for the offered introductory term. After that, your subscription will be billed at the applicable monthly or annual renewal price here: The price is subject to change, but we will always send you a notification email in advance. You can cancel your subscription here: or by contacting Member Services & Support at: or at 844-488-4540. For more details, please visit the Refund Policy: