Member Plus Program

Cobalt Credit Union has partnered with one of the nation's most trusted names in Identity Theft Protection to provide you with a comprehensive Identity Theft Research, Remediation and Recovery service.


Learn about the benefits a Member Plus account:

ID Theft Recovery  |  ID Monitoring  |  Mobile Device Coverage  |  Mortgage Closing Discount  |  Debit Card Replacement

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Identity Theft Recovery

If your identity is stolen...

Plus includes Fully Managed Identity Theft Recovery with a dedicated Privacy Advocate to research and remediate any identity theft issues that you suspect or discover.†  Credit freeze assistance, and IRS Tax Fraud Refund Advance.† And Identity Theft Reimbursement Insurance up to $25,000.††

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, dedicated Privacy Advocate who, depending on your identity fraud incident will be prepared to: Perform research to determine the extent of the problem, including a review of your credit report (if appropriate)

  • Provide instruction for the replacement of fraud alerts with the three major credit bureaus
  • Write letters and make calls on your behalf to dispute fraudulent information
  • Coordinate with government agencies, financial institutions, creditors, etc. to resolve incidents
  • Create and then maintain a case file to assist law enforcement in the prosecutions of the perpetrators
  • Provide case status updates and work with you one-on-one to recover your identity

This service covers all types of identity theft, even if it is not related to your account. This service is available to all named account holders and extends to three generations pf your family. Family members include you, your spouse or domestic partner, your dependents under age 25 with the same permanent address, and IRS-qualified dependents, and your parents (mother or father) with the same permanent address, or who are registered in a senior assisted living facility, nursing home, or hospice. Services continue up to 12 months after death for all family members.

The Identity Theft Reimbursement insurance covers up to $25,000†† of out-of-pocket expenses incurred by you during the recovery of your identity. These expenses may include attourney's fees, mailing expenses, fees for notarizing affidavits and documents, and lost wages due to time off from work to fight the identity fraud. 


  • Fully Managed ID Theft Recovery
  • Dedicated Privacy Advocate
  • Identity Theft Reimbursement Insurance

Proactive Identity Monitoring Services

To prevent identity theft...

Plus entitles Proactive Identity Monitoring Services with Alerts for credit and high risk transactions, and access to your monthly credit score and annual credit report. Plus it includes continuous dark web monitoring of your profile information, up to five email addresses, social media,and other important credentials across the internet.Provides aid in opting out of telemarketing calls, commercial mail, and coupons. These benefits of the Value Plus and High Yield Plus checking accounts are available to the primary account holder if you choose to register and activate the services. Note: You must follow an easy activation process in order to receive the benefits shown.

That's 6 benefits in 1:

  • Alerts for high risk transactions
  • Credit Monitoring
  • Monthly Credit Score
  • Annual credit Report
  • Dark Web Monitoring (Profile, Compromised Email, & Internet Surveillance)
  • Telemarketing Opt-out assistance

Mobile Device Coverage

If your phone's screen gets cracked...

Plus Mobile Device Coverage benefit reimburses you for phone repair up to $250 per year with only a $50 deductible. 

Smartphone / Cell Phone device coverage provides for the labor and parts necessary to repair an eligible device (either new or used) for Accidental Damage from Handling or a Mechanical /Electrical Breakdown, such as a cracked screen or device failure, beginning 30 days after you become eligible for this benefit. Covered claims are subject to a $50 deductible and a $250 maximum; one claim per 12 month period.

Mortgage Closing Discount

For a better mortgage closing experience...

Plus ensures a Mortgage Closing Cost Discount of $250 on your next home purchase or mortgage refinance.*

Free Debit Card Replacement

If you've misplaced your card...

Plus provides Free Debit Card Replacement if your existing card is lost or stolen.

The fine print...

To learn more about these services, to review additional terms and conditions, and to review the Mobile Device Coverage Agreement, please visit
†† 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 Reimbursement Evidence of Coverage forms for additional information including details of benefits, specific exclusions, terms, conditions and limitations of coverage. Coverage is currently not available to residents of the state of New York and may not be available in other U.S. territories or jurisdictions in the future. 
^ Identity authentication is required in order to utilize this entitlement. Applicable to individuals age 18 and older who have a valid credit file. Credit services are provided by TransUnion®, subject to change.
^^ Certain terms, conditions and limitations apply. 30-day waiting period is required before a claim can be filed. Please review the "Mobile Device Coverage Member Services Agreement" for further details at
*May not be combined if more than one qualifying checking account is held.