TrueChecks
Don’t let check fraud win. TrueChecks provides the real-time defense you need to stop fraudulent deposits before they hit your bottom line.
The Time is Now
Don’t wait to upgrade your fraud tools. Check scammers move fast, testing new tactics daily. Give your frontline the insights they need to act quickly.
Unmatched Fraud Data
TrueChecks® analyzes decades of account and item data from thousands of FIs, processors, and trusted third-party sources.
Flexible Access
Usable through our secure portal or integrate it directly via API with leading core and image capture systems.
Real-Time Frontline Support
Get instant risk guidance on counterfeit, NSF, closed, or duplicate items—clear actions, no disruption to account holders.
Stop Losses and Improve Operations
Simplify Decisions, Prioritize with Ease
Help your team act fast and confidently. TrueChecks gives real-time insight into item-level risk like counterfeits, NSF, or closed accounts without slowing workflows. Whether it’s teller line, back office, or RDC, your staff sees the info they need right when they need it. Less guessing. More catching.
Consortium-Powered Insights
Leverage a vast database compiled from thousands of financial institutions. TrueChecks utilizes this collective intelligence to provide accurate risk evaluations, enhancing your institution’s ability to detect and prevent fraudulent check activities effectively.
FI-Aware Integration
TrueChecks integrates smoothly with your existing systems, whether it’s teller platforms, ATMs, or remote deposit capture solutions. This ensures that your staff can access vital fraud detection tools without disrupting current workflows, maintaining operational efficiency.
Enhanced Customer Trust
By proactively identifying and preventing fraudulent checks, TrueChecks helps protect your customers’ accounts. This not only safeguards their assets but also reinforces their confidence in your institution’s commitment to security and reliability.
Built on Real Data. Trusted by 1,200+ FIs.
AFS Consortium Intelligence™ is informed by thousands of institutions and trusted sources, updated in real time, and built to stop fraud before funds move.
The Damage You See. The Fraud We Flag.
Treasury Check Fraud
Criminals are targeting U.S. Treasury checks with sophisticated fakes and altered payees. TrueChecks connects to the Treasury Check Verification System (TCVS), validating check authenticity before funds are made available.
Check Washing
Fraudsters steal checks from the mail, alter payee and amount info, then deposit them through teller lines, RDC, or ATMs. TrueChecks catches altered items before they clear, giving your staff a chance to act before fraud hits the account and damages trust.
Counterfeit Checks
Fraudsters use fake checks that look legitimate to exploit teller lines, ATMs, and RDC. TrueChecks flags these items by comparing them against real check and account history from over 1,000 institutions—so your team can catch fraud early and avoid costly losses or embarrassing callbacks.
Duplicate Checks
Whether accidental or deliberate, duplicate check deposits create rework, losses, and frustration. TrueChecks uses duplicate query protection to spot these items before they post—so your team isn’t left cleaning up after funds have moved.
Featured Insights
Explore the latest trends, updates, and stories shaping fraud prevention for financial institutions.
FAQs
Straight answers about TrueChecks and our approach.
What is TrueChecks?
TrueChecks®️ is a consortium-powered check fraud detection solution designed to intercept fraudulent deposits in real-time. It leverages a comprehensive database containing account and item-level information from thousands of financial institutions, with over 15 years of historical data.
Is TrueChecks®️ easy to integrate with our existing systems?
Absolutely. TrueChecks®️ can be accessed via a web portal hosted on our secure private cloud or integrated with your existing image capture system through our innovative APIs. This flexibility ensures seamless integration with your current operations.
Do you integrate with core providers like FIS, Jack Henry, or Fiserv?
Yes, TrueChecks®️ integrates with many of the leading core providers, including FIS, Jack Henry, and Fiserv. This ensures that your financial institution can leverage the powerful fraud prevention capabilities of TrueChecks®️ without disrupting your existing workflows and systems.
How will TrueChecks benefit our fraud and operations teams?
TrueChecks empowers your fraud team by providing real-time and proactive detection and prevention of fraudulent checks, reducing the resource drain caused by managing fraud losses. Your operations team will benefit from improved efficiency and enhanced trust and security for your account holders by mitigating check fraud losses.
