FirstOntario Credit Union

Protection

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As much as we would like, there are just no guarantees in life. When you invest the time to pick the mortgage or loan that is right for you, decide to take that long-deserved vacation or are looking to protect your family, you'll want to give equal importance when choosing your insurance. And you can also rest at night knowing that your term deposit investments are also protected at FirstOntario.

Loan & Mortgage Insurance

Providing our Members peace of mind is important. When you work hard to choose the right mortgage or loan for your needs, consider the benefit that insurance protection can provide you with.

Title & Identity Theft Insurance

Title Insurance is an insured statement of the condition to the title of the property at the time the policy is issued. Title insurance provides protection against issues like survey defects, unpaid liens, encroachment issues, construction liens, defects in title, costs arising from building code violations, as well as real estate title fraud. For a one-time premium , title insurance covers all legal expenses related to restoring a title and is available to existing homeowners long after they have purchased their properties. Unfortunately, T itle fraud often involves identity theft. Identity theft is the unauthorized collection and use of personal information, usually for criminal purposes.

Other Insurance

Consider FirstOntario for your other insurance needs such as life, travel or auto. And learn more about how FirstOntario protects your term deposit investments that you've worked hard to save for.

Identity Theft

As your credit union, FirstOntario shares your concern about this growing area of crime. Fortunately there are steps you can take to protect yourself.

Fraud Awareness
Visit www.phonebusters.com for practical consumer information on fraud and scam protection. This website provides information on Identity Theft, telemarketing scams, and how to report fraud.

If you believe you may be a victim of Identity Theft, take action immediately:

Start a log of dates, person(s) that you spoke with and exactly what they said.
Contact the fraud departments of each of the two major credit bureaus. Equifax : (877) 323-2598, for lost or stolen identification press 1, if you are a victim of identity theft press 2.
Trans Union : (877) 525-3823 except Quebec residents (877) 713-3393
Request that a "Fraud Alert" be placed in your files. At the same time order copies of your credit reports.
Contact the fraud department of creditors for any accounts that have been opened or tampered with fraudulently. This may include credit card companies, phone companies, banks and other lenders.
File a report with your local Police or the Police in the community where the identity theft took place.
Contact PhoneBusters National Call Centre. PhoneBusters is currently central sourcing all pertinent information on Identity Theft to identity trends and patterns, information is also used to assist law enforcement agencies in possible investigations

Source: www.phonebusters.com

The Financial Services Commission of Ontario has launched a web portal designed to inform consumers about scams related to its regulated sectors. "Beware of Potential Consumer Scams" has a list of recent fraudulent activity.

IDefence

As a FirstOntario Credit Union Member, your cheques come with Davis + Henderson's newest service - IDefence™. IDefence was developed to assist Canadians in addressing the growing threat of identity theft. With IDefence, Members receive:

A guidebook in their cheque package that provides helpful tips on preventing identity theft
Access to a 24/7 toll-free assistance hotline (1-888-577-8866) for more information on identity theft prevention.
Unlimited telephone access to legal advice and guidance, in the event a Member is victimized
Free replacement cheques for any accounts compromised as a result of identity theft along with assistance in transferring any preauthorized payments to the new chequing account.