Your Members Trust You. We Help Protect That.
AFS gives credit unions real-time fraud detection that fits your existing workflows, so your team can make faster decisions and your members stay protected.
Trust earns every deposit
Fraud prevention isn’t just an operational priority, it’s part of your promise to members. AFS helps credit unions deliver trust with every transaction.
Fewer False Positives
Fewer holds. Fewer delays. Less friction—for members and staff—thanks to smarter signals and better risk clarity.
Real-Time Support for Staff
Clear, immediate responses built for tellers, back-office teams, and fraud analysts. No guesswork. No extra steps.
Built for CU Workflows
Supports shared branching, business accounts, and layered authentication, because credit unions owe protection to their members.
Credit Union Fraud Prevention Solutions
TrueChecks
Stops check fraud in real time, whether it’s counterfeit, duplicate, or altered. Trusted by over 1,000 institutions and backed by consortium data.
TrueACH
Validates account status and ownership before funds move. Reduces returns, meets Nacha requirements, and prevents fraud at origination.
Positive Pay by AFS
Catches altered, unauthorized, or duplicate checks before they clear. Built for business accounts and scalable for treasury teams.
TrueWire
Flags risky wire transfers before they’re sent. Verifies account status and wiring credentials to help prevent high-dollar losses and misdirected funds.
How We Help
From ACH account validation to treasury checks, AFS helps your FI detect fraud faster, cut manual work, and protect your institution at every entry point.
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Treasury Check Fraud
Detect and stop counterfeit and altered checks before they clear. Protect high-value transactions and keep your institution’s reputation secure.
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Mobile, ATM & ITM Fraud
Block fraudulent deposits in real time across mobile, teller, and self-service channels. Reduce losses without slowing down account holder experience.
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ACH Compliance
Stay compliant with NACHA rules while preventing unauthorized and suspicious ACH activity. Cut risk and streamline back-office review.
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Fraud Ops Efficiency
Work smarter with tools that flag true fraud and cut false positives. Free up your team from manual review so they can focus on high-risk items.
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Check Washing Defense
Catch chemically altered and washed checks before they post. Stop fraudsters from draining accounts and damaging account holder trust.
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Account Validation
Confirm account status and ownership in seconds. Reduce returns, minimize risk, and protect revenue before the transaction even starts.
“It is simple to use and alerts our tellers to possible fraud right at the time of presentment. TrueChecks® is one of our new favorite tools in fighting fraud!”
Featured Insights
Protect your credit union and members. Stay ahead of fraud with these insights from our experts in the field.
Questions Credit Unions Ask Us Most
Here are the most common questions we hear.
How does AFS integrate with our existing systems?
We support multiple integration paths—portal, API, and batch—so you can work within your existing tech stack and teller workflows.
Will this slow down our frontline staff?
Not at all. Our tools are built for speed and clarity, giving your staff real-time decisions without added steps.
Can AFS help with shared branching and RDC risk?
Yes. TrueChecks flags risk across teller line, ATM, mobile deposit, and shared branch channels in real time.
What’s the difference between AFS and other fraud tools?
We use FI-contributed, account-level data—more than just predictive models—so your team sees fraud signals grounded in reality.
Does this help us stay compliant?
Yes. Our solutions support Nacha’s account validation rules, Reg CC hold guidance, and other key compliance standards.
