Routing Number | 255077370

ID Smart Shield

Advanced Identity Theft Protection—On Us ($144 annual value)1

Free award-winning identity theft protection is now included with Tower digital banking.

Advanced Fraud Monitoring and Alerts1

Proactive alerts if your information is found on the dark web or your credit is accessed

Monitor Your Credit Score

Free monthly VantageScore® and TransUnion credit report2

$25,000 Identity Theft Insurance3

Recover out-of-pocket expenses & lost wages

Full-Service Identity Restoration

Dedicated U.S.-based resolution specialists to guide your recovery

ID Safety Score

Get personalized advice on securing your digital identity

Upgrade Your Protection

Choose the Plus plan for family protection and special member pricing

Choose Your Protection


ID Smart Shield
Free individual plan with advanced protection

ID Smart Shield Plus
Premium plan with family protection

Dark Web Monitoring


Credit Monitoring


All 3 Bureaus

Monthly VantageScore® Credit Score & Credit Report2


All 3 Bureaus

Dedicated U.S.-based Resolution Specialists


ID Theft Insurance3

$25,000 Identity Theft Insurance

$1 Million Identity Theft Insurance



Lost Wallet Assistance


Identity Vault


Smart SSN Tracker


Change of Address Monitoring


Court Records Monitoring


Social Media Monitoring


ChildWatch® - Unlimited Children Monitored


ID Safety Resource Center


Monthly Cost

FREE for Tower digital banking members

$12.99/month – cancel anytime

Activate Your Free Benefit

Simply log in to your Digital Banking account. Look for ID Smart Shield under Additional Services. On our App, look for ID Smart Shield under More after logging in.

Don't have Digital Banking? Sign-up here.

Download our app from the App Store or Google Play.


ID Smart Shield is powered by IdentityForce®, a TransUnion® brand. For ID Smart Shield support, please contact 833-570-2899 to speak to a specialist.

Is ID Smart Shield really free?

Yes—no gotchas or hidden fees! Your Tower membership includes free access to ID Smart Shield, powered by IdentityForce, a TransUnion brand. All Tower members age 18 and older are eligible to enroll via digital banking. You may also upgrade to ID Smart Shield Plus at a discounted monthly subscription fee for additional benefits, including family coverage, 3-bureau credit monitoring and $1 Million ID theft insurance.

How can I protect my entire family?

Complimentary ID Smart Shield services are available for the primary Tower member. You can add additional protection for your entire family with ID Smart Shield Plus. ID Smart Shield Plus is the best value for protecting your family. You can upgrade to ID Smart Shield Plus for a low monthly fee and cancel at any time.

Is my personal information secure?

ID Smart Shield services are powered by IdentityForce®, a TransUnion® brand. IdentityForce is a leading provider of proactive identity, privacy and credit protection for individuals, businesses, and government agencies. ID Smart Shield uses industry-standard safeguards to protect your information.

How do I cancel my ID Smart Shield service?

To cancel or downgrade service, please call 833-570-2899.

How do I reach an ID Smart Shield specialist?

For assistance with identity theft concerns or restoration services, please call 833-570-2899, our ID Smart Shield support line. You can also open a case by accessing your online portal.

Get Protected Today

1 Intelligent identity security services powered by IdentityForce, a TransUnion company. IdentityForce is a leading provider of proactive identity, privacy and credit protection for individuals, businesses, and government agencies.

2The credit scores provided are based on the VantageScore® 3.0 model. Lenders use a variety of credit scores and are likely to use a credit score different from VantageScore® 3.0 to assess your creditworthiness.

3 ID Smart Shield provides for reimbursement of up to $25,000 per individual with $0 deductible. ID Smart Shield Plus provides for reimbursement of up to $1 million per family with $0 deductible. Identity theft insurance coverage includes reimbursement for certain out-of-pocket expenses and lost wages, travel expenses, child or elder care expenses you incur while seeking to recover from an identity theft event. Depending on your specific membership plan, your insurance coverage may vary. Consult your Explanation of Benefits for complete terms and exclusions.

Mobile Banking services are free to all Tower members. Your carrier's message and data rates may apply. Other Mobile Deposit restrictions may apply. Mobile Deposit available in the Mobile App only. Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Wallet is a trademark of Apple Inc. App Store is a service mark of Apple Inc. Android, Google Pay, Google Play, Wear OS by Google, and the Google Logo are trademarks of Google LLC. Samsung® and Samsung Pay® are registered trademarks of Samsung Electronics Co., Ltd.