Check Stock

Check-StockCheck Stock

Ensuring the safety of your money is a BIG DEAL. If you choose to purchase check stock, then there are a few features that Ganson would like to inform you about.

Check fraud is a booming business and can account for over 500 MILLION checks forged annually. This accounts for a loss of  over $10 billion annually. It is important to make sure that any check stock you purchase meets the Check 21 Standard.

The Check 21 Standard is a federal law that allows banks to process more checks electronically. The bank captures a picture of the front and back of a cheque along with all payment information and then they transmit that information electronically. If a bank receives a paper check then the use a photo and all information to create a substitute check. Allowing banks to process checks electronically speeds the process and reduces the amount of physical handling each check takes.

subcheckfrontSubstitute Check (Front)

subcheckbackSubstitute Check (Back)

There are so many features available in order to curb check fraud, Ganson wants to be able to explain a few to you:

  • Microprinting on the front, back or signature line of a check. The micro print is very small type in the check border and the back of the check signature line. This microprint can only be read with a magnifying glass. When a person attempts to commit check fraud by copying or scanning the check,  the microprint text becomes a solid line. You bank can look at your business check and see the microprint text no longer exists. 
  • Micr Band creates a clear zone for the Micr line on your check. The banking community has requested a clear space to be added for the MICR check line. This Micr Band appears as a space between the bottom of the pantograph and the bottom of the check. The Micr Band allows for a lower reject rate when your bank scans your micr check.
  • Micr target alignment box added to position 43 of the Micr area for guidance in printing the bank routing transit number on your business check.
  • Artificial Watermarks are subtly printed logos or words which can be viewed at a 45 degree angle. This check fraud prevention technique is designed to defeat the person using a copier or scanner on your business check. Copiers and scanners are designed to  capture images at 90 degree angles. A 45 degree angle watermark may not be reproduced by copying or scanning. You bank can review your laser check and notice the inclusion or absence of the watermark.
  • Warning Box on back of the check lists the check’s security features and describes how to detect fraud and alterations.
  • Security Screen with the words “original document” on the back of  your check stock. The words Original Document� are offset against a grey background. This offset print makes it difficult to copy or scan your laser business check.
  • Pantograph in you check stock background complicates alteration and unauthorized reproduction. Our Pantograph is designed to make our blank laser check and business check difficult for the forger to alter and copy.
  • Erasure Protection – When areas on the front of your business check are erased, the colored pantograph becomes white. Our pantograph may defeat the person looking to commit check fraud on your laser check by a manual erasure process.
  • Void Pantograph – If your laser generated business check is photocopied the word void appears on the copied check.  The face of this blank check document contains a colored background without the word Void.  Once copied or scanned, the word Void appears on the fraudulent check. Unfortunately, some of the newer model copiers can now defeat the void pantograph. A knowledgeable individual can adjust a new generation copier to the specific attributes of your business check.
  • Invisible and Fluorescent Fibers are imbedded in your business check and can only be seen under a black light. These fibers are only visible under an ultraviolet light. A fraudulent check will not contain these invisible fibers. All banks now scan checks under ultraviolet light before processing for payment.
  • Chemical Reactive Paper shows stains or spots when an attempt is made to remove the check information with chemical ink eradicators or manual erasure. When “washing” a check to commit check fraud, the most common acetate used is fingernail polish remover. Using our chemical reactive paper for your business check and blank laser check may defeat those people looking to alter your checks by chemical means.

 

Your dollars, your choice, Ganson will deliver.

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