You’ve read a lot about it, but make no mistake: identity theft is the fastest growing crime in America. Depending on which report you choose to read, between 41 million and 44 million Americans have been victims—that’s around 1 out of every 5 adults. Estimates indicate thieves steal more than $43 billion (yes, with a B) using stolen identities. According to the Insurance Information Institute, over a million identity theft and fraud reports (1,008,597) were received in 2025, a 17.3% increase from 2024. The median amount consumers paid in these cases was $429, with credit card fraud being the most common type, and these numbers keep increasing each year. 
We could throw numbers at you all day to try to discuss the scope of the problem, but here at Arbor, we want to help. IDProtect® is an additional enhancement of your Arbor Financial checking account that offers the services of Fraud Detection and Total Identity Monitoring. Every three seconds, another American becomes a victim of identity fraud* and the damage can take months—and in some cases, even years--to repair. And children aren’t exempt from it either; in fact, a child’s compromised identity can go undetected for years and wreak all sorts of havoc when it comes time for the child to start making financially independent choices.
Thankfully for consumers, there are many companies that provide identity theft protection. And by comparison, they’re not much different in the services they provide:
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Fraud detection
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Credit Card Monitoring
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Triple Bureau Credit Monitoring & Reports
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Credit Score
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Identity Theft Insurance
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Lost wages
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Recovery
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Public Records and Address monitoring
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Lost Wallet Protection
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Children/family coverage
But we’re committed to offering the best to our members at Arbor Financial, and with that in mind, here’s how IDProtect® is different than the other identity theft protection services.
Cost & Coverage
You’ll pay anywhere from $8.99 to $29.99 per month for comparable industry-leading products. If you want to add your children, expect to pay another $3-$6 per child. With IDProtect, Arbor Financial members pay just $4 per month for their entire household, including spouses, domestic partners, children under 25, and parents living in your household.
Members can access all of the benefits and protection of IDProtect, including credit scores and reports, by logging on to IDProtectMe247.com and using your access code to register your family members and accounts. You can even register non-Arbor cards for monitoring and protection.
Need an access code, or previously opted out of IDProtect and have changed your mind? Give our contact center a call at 269.375.6702.
How you can protect yourself
ID Protect is a great way to monitor for fraud and identity theft, but the number one way to prevent fraud is with knowledge! It's a good idea to read our Security Center every year to keep track of fraud and scams and stay alert to what is happening in the area. And remember, when in doubt, hang up and call the business or person back directly, and never succumb to pressure. If it is something that needs to be done right away, or seems to good to be true, confirm before giving any information. We will NEVER ask you for your passwords or login PINS.
Learn more about ID Protect by clicking here.
