Garanti Protect

Garanti Protect is a comprehensive identity protection and restoration service that offers around-the-clock monitoring for fraudulent activity. Funds are directly deducted from your checking every month -- no credit card needed!

Exclusive pricing for all Kasasa checking account holders -- $6.00 per month (all other checking account holders -- $7.00 per month) and there is no locked contract or time commitment.

Garanti Protect Services

24/7 Credit Monitoring

Get around-the-clock notices about important changes in your credit report, including:
- Loan data
- Inquiries
- New accounts
- Judgments
- Liens
- And more
The fastest and simplest way to guard against fraudulent activity

Credit Reporting

Receive full access to annual credit report from TransUnion
Provides deep insight into your credit record
Helps you proactively manage your financial health and monitor your identity

Monthly Credit Score & Tracker

Regular review of your credit score, helping you stay on top of your credit
Avoid the cost of pulling full credit reports
View trends over time and find out exactly what's moving your number

Dark Web Monitoring

Allows you to keep close tabs on your identity online
Scans millions of international sources in real time
Quickly spots stolen data that could identify you, such as a social security number or medical identification numbers

Lost Wallet Protection

In the event of a lost or stolen wallet:
One convenient point of contact handles cancellation and replacement of all your important documents
Restoration through your agent includes: your cards, licenses, social security cards, insurance cards, passports, military IDs, and even traveler's checks

Identity Restoration

Helpful advice and resolution services provided the instant fraud occurs
Certified specialists file, dispute, and resolve issues with your credit or other vital records, including:
Filing fraud alerts
Placing credit freezes at different bureaus
Notifying authorities

Activate Garanti Protect in Minutes

When you enroll Garanti Protect starts working immediately. However, be sure to log in and verify your identity so that you can get the most value out of this service.

GTBANK offers Garanti Protect, an optional Identity Fraud Protection And Restoration Service that includes identity theft, fraud protection, and breach resolution through a separate, third party that can be added to your GTBANK Cash® or Cash Back® account or other Garanti Trade Bank personal checking account.

This add-on service (a) requires your explicit authorization to add these Identity Fraud Protection Services ("opt-in"), (b) charges a separate monthly fee, and (c) can be cancelled at any time. Garanti Protect: Identity Fraud Protection And Restoration Services.

"Garanti Protect: Identity Fraud Protection And Restoration Services" collectively includes the following comprehensive services ("Services"):

(1) Credit Services: (a) Reports: an annual credit report from TransUnion; (b) Scores: a monthly credit score from TransUnion; and (c) Plotter: a visual twelve (12)-month history of the consumer's monthly credit scores from TransUnion.

(2) Monitoring Services: (a) Public Records: Monitors name, address & Social Security Number (SSN) across public records;

(b) Dark Web Monitoring: monitors across social networks, chat rooms & black market websites for personally identifiable information including social security numbers, phone numbers, email addresses, bank account and routing numbers, credit and debit cards, and medical identification numbers;

(c) Credit Bureau: monitors for and will provide an email if credit inquiries, new lines of credit, derogatory credit, name changes or changes in address are detected in the consumer's TransUnion credit file; Credit monitoring offerings monitor only the credit file associated with the purchasing consumer, and do not monitor, compare, or cross reference the credit file associated with the purchasing consumer to any other credit files maintained by the applicable credit bureaus.

(3) Resolution Services: (a) Recovery Services: a professional Identity Recovery Specialist will assist the consumer identify, dispute, expunge any fraudulent activities and (b) Lost Wallet Services: Cancellation & replacement assistance for lost or stolen credit cards and personal documents lost due to loss or identity theft. Terms & Conditions: Garanti Protect services are provided by CSID. Terms & Conditions can be retrieved at any GTBANK financial center or online by using the following link: https://secure.kasasaprotect.com

Fees: Garanti Protect services are provided for a monthly fee of $7.00, or $6.00 if you are a Kasasa account holder, which will automatically be debited from your account on the third (3rd) of each month.

Fees begin on the third (3rd) of the month following your enrollment date and will end one (1) day after Garanti Trade Bank has processed your cancellation request. Fees, services, and providers are variable and may change, with proper notification, after Enrollment. Joint accounts: Garanti Protect is available to a secondary account holder listed on a joint account for an additional monthly fee of $6.00. To enroll in Garanti Protect you must meet all of these conditions: (1) be eighteen (18) years of age or older, (2) be a resident of the United States or any of its territories, (3) agree to the Garanti Protect Services' Terms & Conditions and (4) authenticate your identity to review your alerts and include other personally identifiable information in your account at: https://secure.kasasaprotect.com. Upon signing up for these Services at your institution, you will be enrolled in the Services' ("Enrollment").

Activation: Within one (1) business day after signing up for the Services, Garanti Protect will provide you with an activation email that includes a link to the login URL and your subscriber number. You must activate your subscriber number and maintain an accurate email address in order to receive the full complement of Services. You understand and agree that you will keep your email address current to receive alerts on an ongoing basis. You can review and update your email on file at: https://secure.kasasaprotect.com ("Activation").

Authentication: Additionally, to view Services alerts you must authenticate your identity by using that login. You agree to provide accurate, current, and complete information about yourself and to maintain and update this information to keep it accurate, current, and complete. You also agree to not misrepresent your identity. Failure to provide and maintain accurate and complete information may prohibit your use of the Services or result in errors in information generated ("Authentication").

Availability:

Resolution Services, including Recovery Services and Lost Wallet Services are immediately available for identity theft events that occur after Enrollment.
Credit Monitoring and Dark Web Monitoring will begin on your name, address, social security number, and date of birth once you enroll with your institution. You will receive alerts to the email address provided during enrollment. You must authenticate your identity to view the full content of the alerts. After authentication, you can also provide additional personal information that you would like monitored.
Credit Reports and Credit Scores will be available to view immediately after authentication of your identity.

Cancellation: You may cancel your Services at any time by notifying your financial institution of your decision to cancel. Written notices should be sent to Garanti Trade Bank, PO Box 487, Franklin, WV 26807. Verbal requests should be directed to contact@garantitb.com. Cancellations may take one (1) or more business days to process. The Services' monthly fee will not be charged for the following month after a cancellation request has been processed by your financial institution. Your current month's fee will not be reimbursed or prorated. Closure of Checking Account: Should your checking account be closed by you or Garanti Trade Bank, any add-on products / services associated with that account, including Garanti Protect, will also be terminated at the same time. Associated monthly fee(s) will not be charged for the month following termination. Current month's fee(s) will not be reimbursed or prorated. Legal Notices: (1) Federal Notice. Even without our plan, you have the right to a free credit report from each of the three major credit bureaus, the only authorized source under federal law. (2) Garanti Trade Bank. Notice. GTBANK shall not have any liability for the accuracy of the information contained in the credit reports provided through these Services including any liability for damages, direct or indirect, consequential or incidental. Trademarks and Credits: Kasasa and Garanti Protect are trademarks of Kasasa, Ltd., registered in the U.S.A. TransUnion is a registered trademark of TransUnion.