Northeast Community Credit Union
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Serving the needs of Northeast Tennessee since 1952

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Identity Theft Protection

Think you don't need identity theft protection? Think again.


Identity theft is consistently the number one complaint to the Federal Trade Commission. Rampant data breaches, affecting millions of records, are putting consumers at great risk of identity theft. It can happen to anyone - regardless of your age and income, where you live or how careful you are.


Restoring your identity on your own can be time-consuming and stressful. After a while, some people give up, leaving them to contend with the aftermath of identity theft for years to come, including fraudulent bills, collections activity, damaged credit and even criminal records.


Northeast Community Credit Union is delighted to provide identity theft detection and recover services to our members with checking accounts.


We have partnered with one of the nation's most trusted names in identity theft protection to provide you with access to a comprehensive suite of services to address fraud caused by identity theft if it happens to you or your family members.


Covered account services include:

  • Fully Managed Identity Fraud Research, Remediation and Recovery - a professional certified and licensed Recovery Advocate will work on your behalf to restore your identity to pre-event status, for any type of identity fraud you might experience, or even suspect. Click here for complete Terms and Conditions.


If you become a victim or suspect you might be a victim of identity theft for any reason, simply let us know. You do not have to confirm identity fraud before seeking assistance. We will put you in touch with a professional Recovery Advocate who, depending on your identity fraud, will:

  • Perform research to determine the extent of the problem, including a review of all three credit reports (if appropriate)
  • Assist with the placement of fraud alerts with the three major credit bureaus
  • Write letters/make calls on your behalf to dispute fraudulent information
  • Coordinate with the government agencies, financial institutions, creditors, etc. to resolve incidents
  • Work with law enforcement to help arrest and prosecute the criminals.
  • Follow up for 12 months after recovery


This service covers all types of identity fraud, even if it is not related to your account(s) with Northeast Community Credit Union! Types of identity fraud covered include: credit/debit card fraud, tax fraud, employment fraud, government documents and benefits fraud, medical fraud, and any other type of identity fraud recognized by the Federal Trade Commission. (Please refer to Terms and Conditions for details.)


  • Lost Document Replacement - this service provides personalized one-on-one assistance to replace identity credential documents that have been lost, stolen or destroyed in connection with your identity fraud event. If any of your documents were lost, stolen or destroyed as a result of an identity theft incident or information compromise, let us know and we will refer you to a professional Recovery Advocate who will work with you to replace the missing documents, including credit cards. Your Recovery Advocate will work with you to contact creditors, cancel the compromised information, and obtain replacement documents.


  • Identity Theft Expense Reimbursement Insurance - up to $10,000* - you may receive reimbursement for out of pocket expenses incurred during the identity recovery process up to the program limit, including reimbursement for lost wages, attorney's fees, and other expenses. Click here for Evidence of Coverage.



IDSafeChoice is a service offered to our members to help protect them and their finances. Visit or call your credit union to sign up for the IDSafeChoice program with a small monthly fee of $2.


* Identity theft insurance is underwritten by Lyndon Southern Insurance Company, a member of the Fortegra family of companies. The information provided is a program summary. Please refer to the Identity Theft Expense Reimbursement Evidence of Coverage forms for additional information including details of benefits, specific exclusions, terms, conditions and limitation of coverage. Coverage is currently no available in NY and may not be available in other U.S. territories or jurisdictions in the future.


ID Safe Choice

  Lost VISA Debit Card: 1-800-472-3272, then call us at 423-547-1200


  Lost VISA Credit Card: 1-800-558-3424, then call us at 423-547-1200

ABA / Routing #  264278827

NMLS #520867


Equal Housing Opportunity Member NCUA

Rates subject to change without notice

Certain Restrictions Apply

 © 2008 Northeast Community Credit Union


  Your Insured Shares:

Your shares are insured up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF), an arm of the National Credit Union Association.