Explanation of IDProtect®

IDProtect® is an identity theft monitoring and resolution service that helps protect you and your family1. If you become a victim of identity theft, experts will provide professional fraud resolution, helping you document the damage done and file necessary paperwork. This recovery plan reduces time spent restoring your identity. Valuable identity theft expense reimbursement coverage2 is offered to help cover eligible expenses related to clearing your name until your identity is restored.

IDProtect® is included in our SMART Checking, SMART Plus Checking, and SMART Senior Checking accounts.

Register & Activate:

Go to to register.
You can also download the Club Checking mobile app.
Using Access Code: SC233832, simply follow the step-by-step instructions to register and activate benefits.

Call 1-866-210-0361 for questions related to any of the benefits, or for assistance with registration and activation.
Once you are registered, continue to access your benefits.

Access Benefits

Benefits & Features:

Your Carolina Bank SMART checking account is about to work for you.
Now it's time to start taking advantage of the benefits and features your account offers:
  • Up to $10,000 Identity Theft Expense Reimbursement Coverage2 — Cover expenses associated with restoring your identity.
    • Examples of Reimbursement Costs:
      • Attorney fees
      • Loan application fees
      • Long distance calls
      • Certified mail and notarized fraud documents
      • Coverage for wages lost for time taken off work to correct personal records. 
  • Fully Managed Identity Theft Resolution Services — Access to a dedicated fraud specialist assigned to manage your case until your identity is restored.
  • Credit File Monltoring3 — Daily credit file monitoring and automated alerts of key changes to your single bureau credit
    (registration/activation required)
  • Identity Monitoring Monitoring of more than 1,000 databases and public records to identify suspicious activity, including credit header information, phone records, United States Postal Service records, and more. A risk rating is generated with each monthly scan and if your scan reflects a high-risk score, you will be notified. (registration/activation required)
  • Credit Report — Ability to request a single bureau report every six months or upon opening a resolution case. (registration/activation required)
  • Credit Score4 Ability to request a single bureau score every month. (registration/activation required)
  • Credit Score Tracker5 Receive valuable insight into your credit score.
  • Debit and Credit Card Registration Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards should your cards become lost or stolen. (registration/activation required)
  • Online Identity Theft News Center and Valuable Phone and Web Resources (registration/activation required)
  • Financial Wellness 360° Access your financial wellness platform with unlimited one-on-one coaching, interactive courses, videos, booklets, infographics, and more to help maximize financial wellness. (available online only)

Cell Phone Protection2:

  •  Reimbursement for the cost of replacing or repairing stolen or damaged devices
  •  Cellular bill must be paid through associated Ozark Bank checking account
  •  Covers the first 3 phones referenced on your cell phone bill
  •  Two (2) claims per year, up to $300/claim
  •  $50 co-payment

Call in a Claim

Need to file a claim?
Call 1-866-210-0361
Thank you for allowing us to serve your financial needs. We appreciate your trust in us. If you have any questions regarding your checking account, please speak with a representative at Carolina Bank.

Carolina Bank


1 Benefits are available to personal checking account owner(s), their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students.

2 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance.

3 Credit file monitoring may take several days to begin following activation.

4 Credit Score is a VantageScore 3.0 based on single bureau credit data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. Once you have activated credit file monitoring, you may request your credit score. Once you have done so, it will then refresh on a monthly basis.

5 Credit Score Tracker: Once credit file monitoring has been activated and you have requested your first credit score, you may request a new credit score each month to be plotted on your Credit Score Tracker graph. Monthly email notifications will be sent to let you know when your new score is available.
Insurance Products are not Insured by the FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.