ID Restoration Services
Commerce Bank together with Deluxe® ProventSM, a leader in identity theft restoration, offers two levels of identity theft restoration service to address fraudulent activity on your personal accounts1.
- Family ID Restoration assists you and your family when someone uses financial or personal information without your knowledge and commits fraud, for example, by taking control of existing accounts or opening new accounts.
- ID Restoration Plus offers this basic service, and additional, value-added features, including proactive credit and internet monitoring for you and one designated household member.
Choose the service that best fits your needs and comfort level:
|Family ID Restoration||ID Restoration Plus|
Proactive Features - provided continuously to you and one designated household1 member.
|EZShield Proactive Credit Monitoring:
Monitors your credit file and provides daily alerts if there are changes to your credit report
|EZShield Proactive Internet Monitoring:
Monitors your personal and financial information on the Internet's black market websites and chat rooms
Reactive Features - provided to you and any household1 member.
|EZShield Credit Monitoring:
Tracks your credit file and provides alerts if there are changes to your credit report: provided for one year after an Identity Theft Event2
|EZShield Internet Monitoring:
Tracks your personal and financial information on the Internet's black market websites and chat rooms: provided for one year after an Identity Theft Event2
|A Certified Resolution Specialist:
is available to assist in the event of a lost wallet, fraud, or Identity Theft Event
|Identity Theft Expense3Reimbursement Up to $25,000:
Such as legal fees, lost wages and costs associated with repairing your credit
24/7 access to password protected and encrypted storage of personal information such as passwords, bank account and card data.
Provides you with access to a secure online account to store and organize your important documents. Upload and store your personal documents such as birth certificates, dirvers’ licenses, car titles, wills, etc.
|EZShield DashAccess Mobile App:
Access to all of the benefits listed above wherever you are! Download from the App store for iPhones or from Google Play™store for Android devices.
|Ongoing Education and Advice:
24/7 access to up-to-date resources for prevention of fraud
|Monthly Service Charge||$2.95||$8.95|
If anyone in your household1 becomes a victim of an Identity Theft Event2 and files a police report, these powerful services 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
Both levels of identity theft restoration provide education tools and resources to assist you in preventing identity fraud and theft. Additionally, as an active ID Restoration Plus customer, EZShield Internet Monitoring and EZShield Credit Monitoring are available proactively and continuously to you and one designated household member1.
Enroll now for ID Restoration.
For either level of ID Restoration Services, you must first enroll in Family ID Restoration by simply doing one of the following:
- Log in to Online Banking, go to "Account Management" under "Customer Service" and select "Family ID Restoration."
- Stop by your nearest Commerce Branch
- Call 800-453-2265
Upgrade to ID Restoration Plus.
To upgrade to ID Restoration Plus, after completing the initial enrollment (see above), wait 48 hours for processing, then click on the "Upgrade Now" arrow below to complete your registration by entering the following information of the primary account holder:
- First Name
- Last Name
- Last 4 digits of the Social Security number (SSN)
- Zip code
Remember, your new ID Restoration Plus account will not be active for 48 hours after initial enrollment; however, immediately you will have all of the reactive coverage associated with our Family ID Restoration service. After this waiting period, it is important to complete this second step of the enrollment process and to designate the additional household member1 in order to be eligible for Plus coverage.
Access my ID Restoration or ID Restoration Plus account.
To obtain a copy of your Identity Theft Expense Reimbursement Certificate of Insurance or to access your EZShield Wallet, please call 866-460-0095.
Questions about which account is right for you?
We’re here to help you make the best choice. Just give us a call.
To be eligible for Family ID Restoration and ID Restoration Plus, 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 accountholder 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.
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.
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.