OnGuard Comparison

Features OnGuard OnGuard Plus 
$10,000 Identity Theft Insurance with Fraud Assistance   question mark check mark check mark
Fraud Assist ToolboxTM   Click to find out more about Fraud Assist Toolbox check mark check mark
Card PatrolSM   question mark check mark check mark
Payment Card Protection   question mark check mark check mark
Credit Alert   question mark check mark check mark
Triple-Bureau Credit Reports   question mark check mark check mark
Companion Airfare   question mark   check mark
My GetAway   question mark   check mark
Cash Rewards   question mark   check mark
Enrollment Cost $5 $8
Monthly Membership Fee $5 $8

Important Information

*Identity Theft Insurance is offered through the insurance company named on the Benefit Summary included in the membership kit. Please refer to the Summary for complete details of coverage, limitations and exclusions.
When credit issuers receive applications to open new credit accounts in your name, they can take reasonable measures to verify the identity of the person opening the account, including calling Fraud Assist Toolbox at the phone number shown in the Fraud Alerts placed in your credit files. If the credit issuer calls, Fraud Assist Toolbox will then call you to verify that you have requested that new credit. However, Fraud Assist Toolbox cannot guarantee that new credit accounts will not be opened in your name because credit issuers can use reasonable steps, other than a phone call, to verify your identity. Prior to registering for the Fraud Assist Toolbox benefit, you will be required to affirm that you have a good faith suspicion that you have been or are about to become a victim of fraud or a related crime, including identity theft.
Card PatrolSM monitors personal information on the Internet by searching public databases and chat rooms. It is impossible to ensure all sources of information have been searched; therefore, your reports may not contain or apprise you of all of your personal information that may have been compromised. Credit Alert® is not a credit counseling service and does not promise to help you obtain a loan or improve your credit record, history or rating. The Credit Alert® service may be modified or improved at any time and without prior notice. Credit Alert® is a registered service mark of Affinion Publishing, LLC. Daily monitoring will notify members of any inquiries, significant changes in credit score, certain derogatory information, or accounts that have been added to their credit reports as reported by one of the three major credit reporting agencies. If no information has been added or changed, then the member will receive a quarterly notification stating that no information has changed within their credit file. Neither the Plan Administrator, the provider of the Credit Alert® service, or its credit information subcontractors, nor Financial Services Association shall have any liability for the accuracy of the information contained in the Credit Alert ® reports which you receive, including any liability for damages, direct or indirect, consequential or incidental.
Special Program Notes: Identity Theft Insurance is offered through the insurance company named on the Benefit Summary included in the membership kit. Please refer to the Summary for complete details of coverage, limitation sand exclusions.
Insurance Disclosure: The insurance offered is not a deposit, not FDIC insured, not an obligation of or guaranteed by the financial institution or an affiliate, and not insured by any agency of the U.S.