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discover the peace of mind that you will experience when choosing the protection provided by our SECURESTAR® program. protection that helps prevent loss due to check fraud including altered and counterfeited checks. With our SECURESTAR® line of products, we make it practical and affordable to protect every at-risk document issued by your financial institution. The Problem... CHECK FRAUD LOSS security features; each designed COUNTERFEITED CHECKS Check fraud loss in the u.S. continues to help in the fight against fraud: Check counterfeiting consists of year after year. This trend has been • Prismatic Backgrounds copying a valid check, without attributed to criminals having access • Padlock Icon authority or right, with the intent to to easy-to-use and affordable • Warning Band and Warning Backer deceive or defraud. The counterfeit technology such as personal • Microprint Signature Line check can be drawn on a legitimate computers, high-resolution scanners • High Resolution Border account or presented along with and laser printers to create realistic • Thermochromic Ink false identification. To protect fraudulent checks. They also use • Full Chemical Reactivity against counterfeit check fraud, chemical erasures to alter the checks • Invisible Fibers financial institutions may: and phony I.d.s to pass them. • Holographic Foil • Use a positive pay or reverse • Genuine Watermark in Paper positive pay program The best defense financial institutions • Holograms • Thoroughly review customer and commercial businesses can take • Toner-Fusing Paper identification against check fraud is to have: • Train personnel to carefully • Knowledge of the Uniform o ther effective preventive security inspect checks Commercial Code (uCC) measures include: • Use unique or custom-designed • Internal controls • Positive Pay Program checks along with visible and • Preventive security measures • Reverse Positive Pay Program hidden security features to steer • Electronic Check Presentment criminals in search of an KNOWLEDGE OF THE UNIFORM (eCp) easier target COMMERCIAL CODE • Account Reconciliation In the past, financial institutions were • Sweep Accounts FORGED CHECKS held responsible for most of the • Lock Box Forging checks includes the financial losses due to check fraud, • Automated Clearing House (ACH) act of forging the maker’s signature however recent revisions to the uCC • Pay Card or the endorsement with the have passed some of that liability • Purchase Card intent to defraud. Financial onto businesses and corporations. In • Electronic Data Interchange (EDI) institutions should establish strict most cases, courts will refer to identification review and signature sections 3 and 4 of the uCC for the TOP FOUR CATEGORIES OF verification procedures. concepts of “ordinary care”, CHECK FRAUD “contributory negligence” and CLOSED ACCOUNT FRAUD “comparative negligence” to • Altered checks usually based on a criminal writing determine which party is in the best • Counterfeited checks a check against a closed account position to prevent the fraud. • Forged checks and then relying on float time. • Checks drawn on closed accounts Financial institutions should closely INTERNAL CONTROLS monitor inactive accounts and ALTERED CHECKS contact customers about the status • Continuous monitoring, classifying altering checks is a common type of of those accounts. and evaluation of fraud losses by fraud that allows a criminal to modify, upper management, with results without destroying, an otherwise CHOOSING A CHECK PROGRAM reported to the audit, risk genuine check by using chemicals or management, security divisions Choose a check program that other means to remove the payee includes a complete array of security and senior management. name and/or the check amount. • Regular evaluation of operating features for negotiable documents. The criminal then fills in a different The SECURESTAR® program was procedures with appropriate name and/or higher amount. changes when needed. designed to contain a minimum of Financial institutions can combat five visible and two hidden security • Alerting personnel to current altered check fraud through: check fraud schemes and how features included in every official ® to prevent them. • Check and signature reviewing check. In addition, SECURESTAR procedures checks will have no missing numbers, • Positive pay or reverse positive and each inner carton is sealed with PREVENTIVE SECURITY MEASURES tamper-evident tape. Select from preventive security measures are vital pay programs our standard SECURESTAR® line or let us to the establishment of “ordinary • Electronic check presentment programs create a custom official check that care” in check fraud cases. a simple will reflect your unique image. and immediate measure is to • Security features in all their incorporate security features into all official checks official checks. The SECURESTAR® program includes the following 02 …The Solution SECURESTAR® makes it practical and side. The padlock Icon design is a E Thermochromic Ink Icon. placing affordable to protect every at-risk certification mark of the Check a thumb over the icon for a few document issued by financial payment Systems association. seconds alters the appearance of institutions. all SECURESTAR® documents the icon. are protected with the standard b Guaranteed No Missing Numbers. features shown on this page. See assurance that all of your documents F Fourdrinier Watermark. actual page 13 of this brochure for security are present. watermark in the paper that is features printed on the back of impossible to duplicate. To view SECURESTAR® official checks. additional C Microprint Signature Line. The the watermark, hold the check security features (true hologram, foil words “authorized Signature” are up to the light. and prismatic background) are repeated several times in type too available for an additional charge. small for copiers to duplicate. Words become dots when duplicated. VISIbLE Features DESIGNED TO DETER FRAUD D High Resolution borders or backgrounds. Intricate design details The account number is printed are difficult to accurately or cleanly A Padlock Icon, Warning band and under the fractional as an reproduce on scanners or copiers. Warning backer. a padlock symbol is additional source of account printed on the face of the document, information for operations and indicating the security features that an added security feature that are listed on the back identifies critical information that an uninformed criminal may fail to alter. b D F A G C HIDDEN Features DESIGNED TO ENHANCE CHECK SECURITY G Full Chemical Reactivity. If chemical I Fluorescent Fibers. paper fibers that alteration is attempted, visible fluoresce under a blacklight. discolored blotches will appear. J Securely Packaged. as an added H Toner-Fusing Paper. a coating that measure of security, all official checks improves toner adhesion and helps are packaged with tamper-evident safeguard against laser-printed security seals on every box. image removal. (SecureStar® l aser Checks only) 03 SECURESTAR ® Unit Set Products Available Format Styles (Unit Sets) bank Money Order page 9 Cashier’s Check, bank Draft, Expense Check, Window Check, Custom Format, or Certificate of Deposit pages 6 & 7 Personal Money Order (small) Personal Money Order (large) page 8 page 8 Cashier’s Check, bank Draft, Expense Check, Window Check, Custom Format, OR Certificate of Deposit. PMT-1 PMT-2 PMT-3 parchment, Blue, page 10 parchment, g reen, page 10 parchment, Burgundy, page 10 PMT-4 FS-1 3DS-1 parchment, Tan, page 10 Financial Secure, Blue to Red, page 11 3d Secure, Burgundy to g ray to g reen, page 11 PRP-1 STARF-1 STARF-2 prism pinstripe, Teal to Tan, page 11 Starline with Foil, g ray to pink, page 11 Starline with Foil, g ray to Blue, page 11 04 SECURESTAR ® Hologram and Cut Sheet Products High Security Holograms Cashier’s Check, bank Draft, Expense Check, Window Check, Custom Format or Certificate of Deposit True Holograms are the premier choice when trying to protect official documents from forgery. page 12 HG-1 HG-2 HG-3 Hologram, Blue Hologram, g reen Hologram, Burgundy Available Format Styles (Laser Cut Sheets) Cashier’s Check, bank Draft, Expense Check, Window Check, Reserve Check, Interest Check or Custom Format pages 14 & 15 pinstripe l aser Check Colors: Reflex g reen Blue pmS 355 Burgundy yellow pmS 201 pmS 128 all imprinted information will be in black mICR ink LP-1T (Top Check Shown) LP-3P (3-o n-a-page Checks) and needs to be at LP-1M (middle Check) 3½'' x 3½'' x 3½'' x ½'' least 5/8'' from the 3½'' x 3½'' x 4'' bottom of the form in order to not incur AUTHOR IZEDSI GNATUREAUTHORIZEDSI GNAT UREAUTHORIZEDSIGNATUREAU THORIZEDSIGN ATUREAUTHORIZED SIGNATURE AUTHORIZEDSIGNATUREAU THORIZEDSIGNATUREAUTHORIZED SIGNATUREAUTHORIZEDSI GNATUREAUTHORIZE DSIGNATUREAUTHORIZE DSIGNATUREAUTHOR IZEDSIGNATUREAU THORIZEDSIGNATUREAUTHZEDSIGNATUREORI AUTHORIZEDSIGNATUREAUTHORIZEDSIGNATUR EAUTHORIZEDSIGNAT UREAUTH additional charges. 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