Posted On: August 29, 2025 by Prevail Bank in: Banking / Money Management Digital Banking Fraud

A Sure-Fire Way to Minimize the Risk of Identity Theft
According to the FTC, your odds of becoming a victim of identity theft are about 1 in 15. And losses attributed to fraud continue to rise due to the increase of people engaging in social media, electronic communications, and online shopping.
In other words, someone you know – your neighbor, your friend, a relative, a co-worker – is likely to fall prey this year. Maybe even you. If you fall victim to identity theft, proactive planning will make the situation easier and cheaper to manage.
While it can be difficult to prevent identity theft, we can help minimize the risk, financial expenses, and emotional stress that identity theft can cause with our identity theft restoration services.
Prevail Bank offers identity theft restoration services
With ID TheftSmart, you can breathe easy. If your identity becomes stolen, ID TheftSmart professionals will step in as your advocate, fully committed to restoring your identity to pre-theft status as quickly and efficiently as possible.
ID Theftsmart services offered:
Option 1) Identity Theft Counseling & Restoration Service
You will receive full-service identity restoration services from licensed, professional investigators, if you are ever a victim of identity theft. These experts will do the work for you, restoring your identity to pre-theft status.
- Option 1 covers your whole household.
- It costs only $3.95/month* per household.
* Pricing subject to change
Option 2) Credit Bureau Monitoring and Identity Theft Counseling & Restoration Service
Full-service identity restoration plus ongoing credit monitoring alerts you to activity in your credit file, allowing you to take action and prevent fraud loss.
- Who’s covered? For the individual who completes the application, credit monitoring is provided. Your whole household is covered for identity theft counseling & restoration service.
- As the credit monitoring recipient, you’ll receive email notifications when a new account opens, payment delinquencies occur, when credit inquiries are made, when there are public record changes, and changes of address.
- The cost is only $4.95/month per person.*
* Each person in a household requesting the
credit monitoring service must complete the
enrollment form and pay a separate $4.95
per month. Pricing subject to change.
For both options, the monthly fee is deducted from your Prevail Bank checking or savings account.
What is the difference between ID Theftsmart and other programs?
One of the biggest differences is restoration versus resolution. With ID Theftsmart, restoration is done by licensed investigators who do the work for you. Other services that offer resolution make you do all the work – as in contact credit bureaus, assist in obtaining a police report, etc. Having the ID Theftsmart investigator restore your identity to pre-theft status saves you a lot of time, headache, and money.
In conclusion:
It is beneficial for your financial health to be proactive in establishing credit monitoring and identity theft coverage. Technological advances make life easier, giving you more time to
focus on what matters, but it’s also a playground for bad actors and scammers. You must actively protect your sensitive information from fraud.
66% of consumers claim they don’t know what to do to protect their identity. Don’t be one of them.
Contact a Prevail Bank banker today to enroll in ID Theftsmart, 800-205-0914.
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