First State Bank and Kroll Fraud Solutions, the leading provider of identity theft and fraud investigation services, have partnered together to introduce the ID TheftSmart™ service to you. If you are ever a victim of identity theft, it can be a very time consuming and overwhelming process to repair the damage done. As a victim, you expect real solutions to help you restore confidence and your reputation. ID TheftSmart™ offers Protection, Detection and Restoration.

If you would like more information on how you can add the security and protection of the ID TheftSmart™ program, please call us at 937-695-0331 or stop in at any of our banking centers to enroll today!



Protection – Immediate and Direct Access

  • Consult on best practices for managing Personal Identifying Information (PII)
  • Provide safety guidelines for communicating and interacting online
  • Provide cardholders information about their rights under federal and state laws
  • Consult on best practices for consumer privacy

Detection – Analyze, Consult and Prepare

  • Provide an action  plan when information has been compromised
  • Help with interpreting and analyzing credit report
  • Fraud alert assistance
  • Credit freeze consultation
  • Provide personal assistance when suspicious issues extend beyond initial findings

Restoration – Resolve and Restore

  • Confirm identity fraud and determine its nature and scope
  • Assist in obtaining a police report
  • Provide a tri-merged credit report and perform full non-credit searches
  • Work on your behalf until ALL identity theft issues have been verifiably resolved
  • Place seven-year fraud victim statements with credit reporting agencies, when applicable

Alerts are available online via email or offline via postal delivery. Online delivery alerts are provided on a daily basis and notification of no activity is delivered on a monthly basis. Offline alerts are provided on a monthly basis and notification of no activity is delivered on a quarterly basis.

The price of ID TheftSmart Credit Monitoring is $7.99 per person/per month. This fee also includes the ID Restoration service for the entire household.

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