Safeguard your financial life with RMO protection products. From identity theft monitoring to credit protection, we help you stay secure in an increasingly digital world.
Comprehensive protection designed for your specific needs.
Continuous monitoring of your personal information across databases and the dark web.
Real-time alerts when changes are detected on your credit reports.
If identity theft occurs, get dedicated support to help restore your identity and credit.
Protection that goes beyond basic credit monitoring to cover your full financial footprint.
Protection built on the strength of your membership.
Catch threats before they become problems with continuous monitoring.
If the worst happens, our team helps you navigate the recovery process.
Bundled with your membership for rates lower than standalone identity protection services.
If you experience a qualifying income disruption, you can activate your RMO Financial Protection benefits by filing a claim through MyRMO. Steps to File a Claim: Log in to MyRMO and navigate to "Protection" then "Financial Protection." Select "File a Claim." Choose the qualifying event type: involuntary job loss, qualifying medical event, or natural disaster displacement. Provide supporting documentation: Job Loss: Termination letter or separation notice, unemployment benefits determination (if applicable). Medical Event: Doctor's statement confirming inability to work. Natural Disaster: FEMA declaration or proof of displacement. Enter your current monthly expenses in the…
BizGuard (financial protection) and BizCyber (cyber insurance) often get confused because both can pay after a wire-fraud or phishing incident — but they're built for different sets of exposures and the two products are best used together. BizCyber focuses on technical-incident coverage: Data breaches and the cost of notifying affected customers. Ransomware extortion and recovery. Network downtime and business interruption from cyber events. Third-party liability when customer data is exposed. Regulatory fines where insurable. BizGuard focuses on financial-event coverage: Wire fraud and social engineering payments. Chargebacks and payment disputes. Key-person coverage when a…
RMO Financial Protection plans are designed to cover the essential expenses that continue even when your income is disrupted. Coverage varies by plan tier. Basic Necessities (All Tiers): Groceries and food essentials Utility bills (electricity, gas, water, internet) Phone and basic communication costs Housing (MyShield II and Above): Monthly rent or mortgage payment (up to the plan limit) Renter's or homeowner's insurance premiums Expanded Essentials (MyShield III and Above): Transportation (car payment, fuel, public transit) Childcare and dependent care expenses Medical copays and prescription costs Comprehensive Support (MyShield IV Only): Student loan or qualifying debt…
RMO Financial Protection is a safety-net program designed to help you cover essential living expenses if you experience an involuntary income disruption such as job loss, a qualifying medical event, or a natural disaster. Plan Tiers: MyShield I: Provides a monthly benefit to cover basic necessities such as groceries and utilities for up to 3 months. MyShield II: Covers housing costs (rent or mortgage) in addition to basic necessities for up to 6 months. MyShield III: Includes all MyShield II benefits plus transportation, childcare, and medical copay assistance for up to 9 months. MyShield IV: Our most comprehensive plan, covering all MyShield III benefits plus student loan or debt…
Have questions? We've got you covered.
Plain-English guides on what a plan covers, how income protection works, and how to file a claim.
Read the GuidesFind answers to common questions about financial protection, eligibility, and account management.
Visit Help CenterSchedule a one-on-one appointment with an RMO representative to get personalized guidance.
Schedule AppointmentFind your nearest RMO Retail Center for in-person assistance and enrollment.
Find a Location