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Personal Identity Theft

Receive reimbursement for covered expenses to restore your identity, up to $2,000.

Coverage includes theft or unauthorized or illegal use of your name, demand deposit account or account number, Social Security number or any other method of identifying you.

To collect reimbursement, call Cardinal Member Service at 440-266-2200 when you believe a stolen identity event has occurred, and we’ll continue to walk you through the necessary steps.

To learn more about Personal Identity Theft including what’s covered and how to obtain reimbursement, view the Guide to Benefits.

Identity Theft Protection

If you become a victim of identity theft or other fraudulent crimes, identity restoration provides access to a fraud specialist to guide you through the complex process of restoring your personal identity, credit rating, financial security, and legal integrity. This service fills a void by providing legal, financial, and identity theft restorations services. You’ll have unlimited access to a fraud specialist.

Payment Card Fraud Resolution

If your payment cards are ever stolen or lost, you have a personal fraud specialist ready to assist with cancelling your old cards and reissuing new ones. There is no need to register your cards in advance to use the service.


 That’s exactly where Cardinal Identity Theft Benefits come in.

Guide to Benefits

This Guide to Benefits describes the benefits in effect as of the date your financial institution elected this coverage. This benefit and description supersedes any prior benefit and description you may have received earlier. Please read and retain for your records.

What is the Personal Identity Theft benefit?

The Personal Identity Theft benefit offers reimbursement for covered expenses you incur to restore your identity, up to a maximum of $2,000, as a result of a Covered Stolen Identity Event.

Who is eligible for this benefit?

To be eligible for this benefit, you must be a valid accountholder and reside in the United States or Canada.

What is a Covered Stolen Identity Event?

“Covered Stolen Identity Event” means the theft or unauthorized or illegal use of your name, demand deposit account or account number, Social Security number, or any other method of identifying you.

What is covered?

Covered costs under the Personal Identity Theft benefit are:

  • Costs you incur for re-filing applications for loans, grants, or other credit or debt instruments that are rejected solely because the lender received incorrect information as a result of a Covered Stolen Identity Event.
  • Costs for notarizing affidavits or other similar documents, long distance telephone calls, and postage reasonably incurred as a result of your efforts to report a Covered Stolen Identity Event or to amend or rectify records as to your true name or identity as a result of a Covered Stolen Identity Event.
  • Costs incurred by you for a maximum of four (4) credit reports, requested as a result of a Covered Stolen Identity Event.
  • Actual lost wages for time taken away from your work premises solely as a result of your efforts to amend or rectify records as to your true name or identity as a result of a Covered Stolen Identity Event.
  • Costs for reasonable fees for an attorney and related court fees you incur for suits brought against you by a creditor or collection agency or similar entity acting on behalf of a creditor for nonpayment of goods or services or default on a loan as a result of a Covered Stolen Identity Event.

What is not covered?

  • Any dishonest, criminal, malicious, or fraudulent acts by you.
  • Any damages, loss, or indemnification unless otherwise stated in this disclosure.
  • Costs associated with any legal action or suit other than those set forth under Covered costs.
  • Sick days and any time taken from self-employment.
  • Any costs as a result of theft or unauthorized use of an account by a person to whom the account has been entrusted.

Is there a charge for these services?

No. Cardinal Credit Union provides this benefit to you at no additional cost.

How do I file a claim?

Call Cardinal Credit Union, at 440-266-2200 immediately when you reasonably believe a Covered Stolen Identity Event has occurred and provide information including, but not limited to, how, when, and where the Covered Stolen Identity Event occurred.

Cardinal Credit Union may also require other reasonable information or documents regarding the loss.

What documents do I need to submit with my claim?

A signed, sworn proof of loss or affidavit containing the information requested by Cardinal Credit Union must be submitted within sixty (60) days.

How will I be reimbursed?

Once your claim has been verified, under normal circumstances, reimbursement will be initiated within five (5) business days of receipt and approval of all required documents.

Do I have to do anything else?

  • If you reasonably believe that a law may have been broken, you must promptly file a report with the police.
  • You must take all reasonable steps to mitigate possible costs.

Additional Provisions for Personal Identity Theft

This benefit applies to you, an eligible account holder. Coverage is divided equally on joint accounts.

You must use due diligence and do all things reasonable to avoid or diminish any loss of or damage to property protected by the benefits.

If you make any claim knowing it to be false or fraudulent, no coverage shall exist for such claim and your benefits may be canceled. Each accountholder agrees that representations regarding claims will be accurate and complete. Any and all relevant provisions shall be void in any case of fraud, intentional concealment, or misrepresentation of material fact.

Once you report a Covered Stolen Identity Event, a claim file will be opened and shall remain open for six (6) months from the date of the Covered Stolen Identity Event. No payment will be made on a claim that is not completely substantiated in the manner required by Cardinal Credit Union within six (6) months of the Covered Stolen Identity Event.

After Cardinal Credit Union has paid your claim of loss or damage, all your rights and remedies against any party in respect of this loss or damage will be transferred to Cardinal Credit Union to the extent of the payment made to you. You must give Cardinal Credit Union all assistance as may reasonably be required to secure all rights and remedies.

No legal action for a claim may be brought until sixty (60) days after we receive a Proof of Loss. No legal action against us may be brought more than three (3) years after the time for giving Proof of Loss. Further, no legal action may be brought against us unless all the terms of this Guide to Benefits have been complied with fully.

This benefit is provided to eligible accountholders at no additional cost and is in effect for acts occurring while the benefit is in effect. The terms and conditions contained in this Guide to Benefit may be modified by subsequent endorsements. Modifications to the terms and conditions may be provided via additional Guide to Benefits mailings, statement inserts, or statement messages. The benefit described in this Guide to Benefits will not apply to accountholders whose accounts have been suspended or canceled.

Cardinal Credit Union can cancel or non-renew this benefit, and if we do, we will notify you at least thirty (30) days in advance. This information is a description of the benefit provided to you as an accountholder. 

 For general questions regarding this benefit, call the Cardinal Credit Union at (440) 266-2200.

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