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Identity Theft Protection



Be safer. Spend smarter. It's simple!

With the alarming growth of data breaches and identity theft, protecting your identity is a must these days. IDProtect makes it simple to keep your finances safer for just $2.99 a month. This service protects you and your joint account owner(s). Peace of mind: It’s one of the
most important benefits a financial institution can provide.

To enroll in IDProtect, visit any Kalsee branch or call 269-382-7800.

Or, primary account owners may login conveniently via secure single sign-on within our online banking 'Member Services' menu or mobile app 'More' menu. 

  • Identity Theft Expense Reimbursement Coverage2
    Receive up to $25,000 to help pay expenses, clear your name and restore your identity, should you become the victim of identity fraud.
  • Comprehensive Identity Theft Resolution Services
    Access to a dedicated fraud specialist assigned to manage your case until your identity is restored.
  • Credit File Monitoring
    Daily credit file monitoring and automated alerts of key changes to your credit report. (registration/activation required)
  • Credit Report and Score3
    Access to credit report and credit scores. (registration/activation required)
  • Credit Score Tracker
    Receive valuable insight into your credit score3,4.
  • Credit Score Simulator3
    Use the Score Simulator to see how different actions, such as increasing card limits, or paying off a loan, will impact your VantageScore. (registration/activation required)
  • Debit and Credit Card Registration
    Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards should your cards become lost or stolen. (registration/activation required)
  • Identity Monitoring
    Monitoring of over 1,000 databases. (registration/activation required)
  • Financial Wellness 360°
    Access your financial wellness platform with unlimited one-on-one coaching, interactive courses, videos, booklets, infographics, and more to help maximize financial wellness. (available via mobile or web only)
Receive up to $600 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. $50 deductible applies. Up to two claims and maximum of $1,000 per eligible account, per twelve-month period. Covers up to four phones on a cellular telephone bill. (Cell phone bill must be paid using a Kalsee checking account, savings account, or credit card account.)
  • Buyers Protection2
    covers items for 90 days from the date of purchase against accidental breakage, fire or theft.
  • Extended Warranty2
    extends the U.S. manufacturer’s original written warranty up to one full year on most new retail purchases if the warranty is less than five years.
(Item(s) must be purchased entirely with a Kalsee debit or credit card account for coverage.)
Up to $100,000 of accidental death and dismemberment coverage and $10,000 of accident medical expense benefit if injured while traveling in a vehicle operated by a Transportation Network Company, as defined in the insurance certificate. Coverage also includes up to $250 personal property benefits for replacement of property stolen, damaged, or destroyed due to an accident while traveling in a vehicle operated by a Transportation Network Company. Not Available to Residents of MO, NY and WA. (Travel costs for RideShare must be paid using a Kalsee debit card or credit card account.)




1 Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students.

2 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Insurance Products are not insured by the NCUA or any Federal Government Agency; Not a deposit of or guaranteed by the credit union or any credit union affiliate.

3 You will have access to your credit report and score provided your information has been verified by the CRA. Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different type of credit score to assess your creditworthiness. Once you have activated credit file monitoring, you may request your credit score. Once you have done so, you will have access to your score on a monthly basis.

4 Credit Score Tracker: Once credit file monitoring has been activated and you have requested your first credit score, you may request a new credit score each month to be plotted on your Credit Score Tracker graph. Monthly email notifications will be sent to let you know when your new score is available.

It is an identity theft monitoring and resolution service provided to eligible account owners by Kalsee, powered by our partner IDProtect.
Just $2.99 a month, charged to the Kalsee checking or savings you designate at enrollment on or about the 6th business day of the month.
To enroll or unenroll, call Kalsee at 269-382-7800. For benefits and claims questions, call IDProtect at 866-210-0361.
Yes! Contact a Kalsee member service representative at any branch or by calling 269-382-7800.
Yes, joint account owners enjoy the same level of coverage as the primary account owner. Each account owner has up to $25,000 coverage per identity theft resolution covered incident.
The coverage ends when the account is closed.
No, only personal account owners are eligible for IDProtect.
No, this program was specially designed and priced for Kalsee members.
Econocheck Corporation is the provider of the IDProtect® program, and they are located at 3 Gresham Landing, Stockbridge, GA 30281. Econocheck has been providing insurance products to financial institutions since 1973.

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How Do I...

Click to view our locations and hours.

Click to locate a fee-free ATM  near you. Did you know you can use credit union CO-OP network ATMs and fee free?
Login to your account online, call 269-382-7800, or visit any branch with a valid ID and correct address.
Call 866-985-2273 from the phone associated with your account to activate your card or to change or set your card PIN.
Kalsee's routing number is #272481855. You can find it located at the bottom left of your checks.

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