Credit File Monitoring and Identity Monitoring

Primary account holders - No, credit file monitoring will be automatically activated for primary account holders. Activation will occur within 5 days of account opening unless the account holder is not authenticated by the credit bureau.

  • If the primary account holder fails to authenticate with the bureau, the account holder will receive an email with instructions for activating credit file monitoring.
Joint account holders – Yes. Joint account holders will go to and follow instructions received at account opening to activate credit file monitoring.

Yes. You must go online to activate this benefit, add a phone number to receive notifications, and view your risk score.