Identity thieves often use the internet to locate, buy, sell, and trade stolen personal and business information. This information is frequently shared in high-risk areas of the internet—commonly referred to as the dark web—long before it is used to commit fraud.
FraudArmor's Dark Web Monitoring Service functions as a proactive early-warning system. Once activated, it continuously scans known online locations where stolen data is commonly exposed or exchanged. If your monitored information appears, you receive an alert so you can take action early and reduce the risk of fraud.
- Monitoring of selected personal, financial, and digital information
- Alerts when monitored items are detected in known dark web sources
- Ongoing ability to add, remove, or update monitored items
You are encouraged to monitor as many relevant items as possible to increase early detection.
- One account holder named on eligible personal check orders
- For business check orders, the business entity and/or an owner or officer, if credentials are provided
NOTE: Dark Web Monitoring is not active until you create your online FraudArmor account. To view terms and conditions and activate your FraudArmor account, visit fraud-armorlogin.com and follow the instructions provided with your check order. When Dark Web Monitoring is first activated, some alerts may reflect activity from previous years. After the initial activation, you'll only receive alerts for new activity.
This service provides guidance and support if your wallet, identification, or important documents are lost or stolen—even when no fraud has occurred. It is designed to help you respond quickly and reduce the risk of misuse.
- Guidance on replacing lost or stolen cards
- Assistance replacing government-issued identification and personal documents
- Help identifying which accounts or credentials may need attention
- Support organizing next steps
- Individual account holders associated with eligible personal check orders
- Authorized representatives associated with eligible business check orders
Fully Managed Identity Theft Resolution provides hands-on, end-to-end support when identity theft or check fraud occurs. Rather than simply offering guidance, FraudArmor assigns a certified Resolution Specialist to actively manage the resolution process on your behalf.
FraudArmor assists with:
- Check fraud involving eligible check orders
- Identity theft, whether or not it is related to check fraud
This includes both financial fraud (such as unauthorized transactions) and non-financial identity theft, including employment fraud, medical fraud, government benefits fraud, and internet-based fraud.
- A dedicated, certified Resolution Specialist as your single point of contact
- Development of a personalized recovery plan
- Assistance placing fraud alerts with major credit bureaus (and D&B for business cases, when applicable)
- Investigation and documentation of fraudulent transactions and false accounts
- Direct communication with creditors to dispute charges and close fraudulent accounts
- Liaison support with relevant government agencies
- Creation and maintenance of a comprehensive case file for law enforcement
- Ongoing management of paperwork, follow-up communication, and documentation
- Assistance replacing compromised cards and personal documentation
- Assistance with insurance claim documentation, if applicable
- One year of follow-up support after the initial fraud event
- One year of credit monitoring for fraud victims
- Individual account holders associated with eligible personal check orders
- Businesses associated with eligible business check orders
(Available When Account Numbers Change Due to Fraud)
If fraud requires you to close your eligible checking account and open a new one, replacement checks and deposit slips are provided at no cost, helping you continue managing your payments without interruption and avoid added expense.
- No-cost replacement checks and deposit slips
- Coordination as part of the fraud recovery process
Replacement checks are provided by Harland Clarke.
- Individual account holders with eligible personal check orders
- Businesses with eligible business check orders
Identity Theft Expense Reimbursement Insurance with Cash Recovery helps offset certain financial losses and out-of-pocket expenses that may result from check fraud or identity theft when those losses are not recoverable through other means.
This coverage may reimburse eligible identity theft recovery expenses, up to $25,000, such as lost wages, attorney fees, and other covered costs incurred while resolving identity theft.
The Cash Recovery portion of the coverage may reimburse unrecoverable losses, within the same $25,000 limit, including:
- Losses resulting from forged, altered, or counterfeit checks tied to an eligible check order
- Unauthorized electronic fund transfers from checking or savings accounts
- Deductibles not paid by a card issuer for credit cards, debit cards, or prepaid cards
- Losses related to financial transactions conducted using mobile devices, such as phones or tablets
Cash Recovery applies only when the funds are not recoverable from the issuing financial institution or card issuer. A claim must be submitted within 60 days of the discovery of the check fraud loss. All insurance benefits are subject to eligibility requirements, coverage limits, policy terms, conditions, and exclusions.
- One account holder named on eligible personal check orders
- For business check orders, the business entity
*The Identity Fraud Expense Reimbursement benefit is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company, under group or blanket policies issued to Policyholder or its respective affiliates for the benefit of its Members. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Review the Insurance Summary of Benefits.
