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Consumers Reported Losing Billions to Scams. Last year, 2.5 million consumers filed fraud reports with the Federal Trade Commission (FTC). Victims loss nearly $8.8 billion to fraud and scams, that's an increase of more than 30 percent over the previous year. Such staggering numbers can make it seem like identity theft is inevitable, but that doesn't have to be the case. Taking precautionary measures can help you protect and secure your identity and money. 

Enrollment in one of Kroll's ID TheftSmart services is a proactive way to help protect yourself from becoming another victim. Both solutions are an excellent value and popular among customers who are concerned about identity theft or have experienced scams and fraud themselves. 

Try ID TheftSmart's Credit Monitoring & Identity Restoration solution during the Free, 3-Month Trial offer period. Applies to new enrollments received by July 30, 2024. Must have a personal checking account with First National Bank. Cancel at any time. Service fee is only $8 per person/per month to continue after the trial period, giving you continued peace of mind. 

Trial Offer


Review the features of both ID TheftSmart solutions and select the product that will best meet your personal and financial needs. Services are available to most First National Bank checking account holders.  

ID Theft Restoration

Features of ID Theft Restoration: 

  • Consultation on best practices for managing personal identification information. 
  • Safety guidelines for communicating and interacting online. 
  • Information about your rights concerning identity theft under federal and state laws.
  • Consult on best practices for consumer privacy. 
  • An action plan when information has been compromised. 
  • Help interpreting and analyzing your credit report. 
  • Assist in the event of a stolen/lost wallet. 
  • Fraud Alert Assistance/Credit Freeze Consultation. 

The price of ID Theft Restoration is $4.00 per household/per month for a full-service restoration solution. 

Credit Monitoring

Features of Credit Monitoring: 

Includes all of the ID Theft Restoration features PLUS Credit Monitoring. The Credit Monitoring features include:  

  • Monthly credit monitoring of new account openings, credit inquiries, payment delinquencies, public record changes, and change of address as reported to the Experian credit bureau. 
  • Have access to trained credit specialists to answer data questions. 
  • Receive daily alert via email of any activity. 
  • If there is no activity with your credit, you will receive a monthly "No Activity" email that lets you know your account is still being monitored. 

The price of Credit Monitoring is $8.00 per person/per month. This fee includes ID Theft Restoration service for the entire household. 



Select one of these options to enroll:

  • Click on the "Apply for ID TheftSmart" button and complete the request form. A representative from the bank will contact you to assist with enrollment.
  • Call Customer Service during regular business hours at 515-232-5561.
  • Stop by the bank and one of our Relationship Bankers can assist you. 

Apply for ID TheftSmart


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ID TheftSmart members may use the information published in the Investigation and Restoration Customer Guide to assist in filing a claim for suspected theft or fraud with Kroll's licensed investigators.  

Additional Resources:

Disclosures and Acknowledgement

Kroll is a provider of services and digital products related to valuation, governance, risk and transparency. They work with clients across diverse sectors in the areas of valuation, expert services, investigations, cyber security, corporate finance, restructuring, legal and business solutions, data analytics and regulatory compliance. Kroll also helps clients that have been impacted by a data security incident. Kroll provides notification and call center services, identity theft restoration and consultation, and credit and identity monitoring services directly to consumers on behalf of our clients. The firm has over 5,000 professionals, serving clients in 140 countries across 6 continents. For more information, visit

First National Bank and its employees, agents, or any of its affiliated or related organizations disclaims all express or implied warranties or representations of any kind or nature whatsoever of its merchantability of ID TheftSmart Consultation/Restoration program provided by Kroll. Enrolled members specifically agree, on your behalf and on behalf of your heirs, executors and assigns, not to bring any legal action in any federal or state court or other court of law or equity against First National Bank or any of its affiliated or related organization under any theory of liability and further agree to indemnify and hold First National Bank and its affiliated or related organization harmless. These Terms and Conditions and your access to, use and browsing of the credit-monitoring site are governed by Iowa law without regard to its conflict of law provisions. 

You may request to cancel your membership at any time in person, by phone, or in writing to First National Bank; requests will be processed upon receipt of a signed and dated cancellation form. Cancellation requests received within 2 business days of your monthly membership fee being assessed, will still be charged the monthly membership fee, and monitoring services will continue until the last day of that month. 

First National Bank may cancel your membership at any time due to non-payment. We will provide you with notification prior to cancellation. 

With any enrollment in a credit monitoring program the authentication of your identity is required before any alerts can be sent. Applicants are enrolling as an individual and any other person related or affiliated to them must complete a separate enrollment. 

At the time of enrollment, customers will determine which First National Bank checking account will be debited on a monthly basis for enrollment in the ID TheftSmart services selected. 

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