Identity theft is a serious concern for credit card users, but with FirstGuard®, you enjoy unparalleled protection. The built-in protections of FirstGuard® keep your identity safe in a variety of ways.

FirstGuard provides an array of protections for you account:

  • Fraud Monitoring
    We monitor your account 24/7/365, and if we suspect fraudulent activity on your credit card, we notify you immediately.
  • Zero Liability
    With Visa and MasterCard's‡‡ Zero Liability program, your liability for unauthorized transactions is $0. You pay nothing.
  • Guaranteed Credit
    If your card is lost or stolen, notify us immediately. Any unauthorized charges will be credited to your account, subject to verification.

Tips and tools to help you avoid identity theft:

Signs That You May Be a Victim of Identity Theft
There are telltale signs, which you should heed, that may indicate you’ve been a victim of identity theft. They include:

  • A new or renewed credit card hasn't arrived in the mail
  • You hear from credit collectors about debts you don't know about
  • There are unauthorized purchases on your billing statements

Actions You Should Take:

If someone has stolen your identity, you should do the following immediately:

  • File a complaint with the Federal Trade Commission (FTC) at 877-ID-THEFT (877-438-4338) or The FTC maintains a database of identity theft cases used by law enforcement agencies for investigations.
  • Contact the fraud department of the three major credit bureaus to place a fraud alert on your credit file. This alert will request that creditors contact you before opening any new accounts under your name. Once the credit bureau confirms your alert, all three will send you a credit report free of charge. The alert will remain on your account from 90-180 days.
  • File a police report. Get a copy of this report so that you can dispute unauthorized charges and use for any insurance claims.
  • Close any accounts that may have been compromised or opened fraudulently. This list of accounts may include: bank accounts, credit cards, retail cards, phone companies, utilities, and other service providers. Dispute any unauthorized charges. The FTC website provides many helpful resources, including a sample dispute letter and a form affidavit which can be used if a sworn statement is needed by any creditors.

How To Protect Yourself In The Future:

  • Keep your Social Security number private
    • Do not have your Social Security number printed on your checks
  • Travel Lightly
    • Minimize your risk for identity theft; do not carry more than you need in your purse or wallet
  • Request Credit Reports Annually
    • Make sure no accounts have been opened without your permission
    • Close any accounts that you no longer use
  • Report Lost or Stolen Checks and Credit Cards Immediately
    • If closing credit card accounts, remember to update any recurring payments under your new credit card account number
    • Ask your bank to block payment on any missing check numbers
  • Be Cautious On the Telephone
    • Do not give personal information over the telephone if you do not know the caller
  • Shred Sensitive Documents
    • Be careful about discarding your statements, receipts, and other financial documents - make sure all personal information is destroyed
    • Tear up unwanted solicitations before throwing them away
  • Protect Your Identity Online
    • Make certain that websites are secure and protect your data from identity theft
    • Look for sites that use "Secure Socket Layer" (SSL) technology to encrypt information - you can check for security by looking for a small lock symbol in the lower corner of your web browser window
    • Look for sites whose addresses begin with https:// - the "s" means the connection is secure

Identity Theft Tracking Sheet

If you ever had a credit card lost or stolen, you know you need to notify your credit card company right away. Do you have their contact information handy? Do you even know where you put it?

Since you don’t have time to waste in such a situation, Identify Theft Tracking Sheet is a crucial tool. Just download this simple worksheet, fill it out and file it in a secure place. If you ever lose a credit card or fall victim to identity theft, the tracking sheet will be all you need to identify the people who can help.

If you have any questions about FirstGuard® or identity theft, call our Customer Service Department at 888-530-3626.

Download Worksheet

Visa's Zero Liability policy covers U.S. issued cards only and does not apply to PIN transactions not processed by Visa or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit

‡‡ Zero Liability does not apply to MasterCard-branded cards issued: to an entity other than a natural person; primarily for business, commercial, or agricultural purposes; outside of the U.S. region; or if a PIN is used as the cardholder verification method for the unauthorized transaction(s).