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Identity Protection

Superior identity protection at
a family friendly price
Identity Protection

We’re revolutionizing identity protection

FreeKick brings you a level of identity protection that only a bank can provide – at a fraction of the cost of other identity protection services 

We’ve eliminated high monthly fees and bait and switch pricing

We offer premium identity protection for FREE with a deposit of $3,000, or 

for a low annual fee of only $149 per year. 

Every 30 seconds a child becomes the victim of identity theft 

More than one million children are victims of identity fraud every year 

FDIC Insured Bank = Better Identity Protection

As an FDIC-insured bank we can offer superior identity protection, but don’t take our word for it, here’s what our accountholders have to say: 

I had LifeLock and thought my family was protected. I decided to try FreeKick and was shocked to learn my three-year-old son had his identity stolen when he was just two. LifeLock never detected the theft. With FreeKick I was able to quickly stop the theft. 

-Elena K.

Every child under the age of 13 has a random social security number

criminals target these children 

Up until June 2011 the Social Security Administration (SSA) issued social security numbers systematically, with the number indicating the number holder’s place of birth and age.  

After June 2011, the SSA began issuing random social security numbers. These random numbers don’t indicate the age of the number holder. Every child under age 13, has a random social security number

Random social security numbers are extremely valuable to criminals because they can be used to manufacture fake identities of any age. 

“We’re going to have a national crisis beginning in 2029, when children who were born since June 2011 start becoming adults and discover they were the victim of identity fraud years ago.” 

-Erik Beguin, CEO Austin Capital Bank and Founder of FreeKick 

Experts estimate there might already be millions or tens of millions of unknowing child victims. 

Start protecting your children today

Learn if your child is already a victim of identity fraud by opening a FreeKick account today. 

Most children should not have a credit profile. The moment you activate identity protection for your child, we check to see if they have a credit profile. 

If your child has a credit profile, we verify that the information in their profile is correct and matches your child’s identity, if it doesn’t match, we notify you immediately. 

FreeKick provides premium identity protection for your whole family

FreeKick allows you to monitor the credit profile and identity of every member of your family, up to two adult parents and six children aged 0 to 25.  

Because no service can prevent all identity fraud, FreeKick also includes premium identity restoration and up to $1 million of identity theft insurance for each member of your family. If you suspect a member of your family is a victim of identity fraud, contact us and we’ll take it from there. 

FreeKick premium identity protection services include the following 

Minor Child Identity Protection Services

  • Credit profile monitoring 
  • Social security number monitoring 
  • Dark web monitoring for child’s personal information 
  • Up to $1 million identity theft insurance 
  • Full-service white-glove concierge credit restoration 
  • Sex offender monitoring – based on sponsor parent’s address 

Parent and Adult Child Identity Protection Services

  • Free FICO® Score monthly 
  • FICO® score factors 
  • Experian credit report 
  • Credit profile monitoring 
  • Social security number monitoring 
  • Dark web monitoring for parent’s personal information 
  • Up to $1 million identity theft insurance 
  • Full-service white-glove concierge credit restoration 
  • Lost wallet protection 
  • Court records monitoring 
  • Change of address monitoring 
  • Non-Credit (Payday) loan monitoring 

Why do financial criminals target children?

Financial criminals target your children because they can use their identity and information for years without being detected. 

Criminals specifically target children 13 and younger because: 

  • All children under age 13 have a random social security number 
  • Children are not using their credit profile  
  • Children have never used credit, so their credit profile is a blank slate  
  • Their identities are not monitored 

Heartbreaking facts from one study of 40,000 children: 

  • The youngest victim was just 5 months old 
  • A 16-year-old girl had $765,000 of loans associated with her identity 

Save Thousands

Why pay hundreds of dollars every year for identity protection ?

Invest your money in your child’s future – not identity protection 

Save up to $12,960

with family identity protection from FreeKick  




Cost Per Year

Free to $149

$372 to $720

$384 to $540

Annual savings with FreeKick: 
$372 to $720 per year  

Savings over 18 years: 
$6,912 to $12,960 

Price Comparison Details


  • Deposits are FDIC-insured. FreeKick identity protection plans cover up to two parents and six children. 


  • LifeLock Advantage Family Plan.  2 adults and up to five children. Billed annually $371.88/year 1, then $599.99/yr. Billed monthly $59.99/mo ($719.88/yr). 
  • Aura Family Plan. 5 adults and unlimited children. Billed annually at $384/yr ($32/mo). Billed monthly $45/mo ($540/yr).

Prices as of November 7, 2023


Impact of child identity theft

Criminals can use your child’s identity information to obtain: 

  • Personal loans 
  • Credit cards 
  • Home loans 
  • Student financial aid 
  • Vehicle financing 
  • Store credit for luxury purchases 
  • Tax refunds 
  • Driver’s license 
  • Government benefits 
  • Employment 

Synthetic Identity Fraud may negatively impact your child’s ability to obtain financial aid for college

Common Questions

Why do children under 13 have a random social security number?

On June 25, 2011 the Social Security Administration began issuing random social security numbers to newborn children. Prior to that, a social security number was issued by birthplace geographic location and indicated the general age of the individual.

The Social Security Administration was running out of available numbers in densely populated areas (ex. New York City) and had plenty of available numbers in sparsely populated geographies (ex. Nebraska), so it decided to begin issuing random social security numbers. Every child under age 13 has a random social security number. With a random social security number, a bank or lender can’t determine the age of the person associated with the number, this allows a fraudster to use a child’s social security number to create a fake adult identity (synthetic identity). 

What are the two main types of identity theft/fraud?

Identity Theft: Criminals target you 

Criminals target an adult and steal their identity. The criminals attempt to steal the adult’s money from their bank accounts or take out loans or credit cards in the adult’s name. 

 Synthetic Identity Fraud: Criminals target your children 

Criminals target a child and steal their social security number. They add a fake name, real address, and other personal information to the social security number to create a synthetic identity (fake identity). The criminals use the synthetic identity to open bank accounts, apply for credit, obtain tax refunds, etc. 

Synthetic identity fraud is a particularly heinous crime because it can go undetected for years. Only when a child needs to obtain credit as a young adult do they learn that they are a victim. 

Synthetic identity fraud is the fastest growing financial crime in the United States 

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