A digital authentication infrastructure for checks
When a check is issued, its key details are sealed into a Digital Watermark. At deposit, CheckCheck confirms the check still matches the one that was issued — catching altered, counterfeit, and already-paid items before funds are released. Deterministic authentication, not a risk score.
Why CheckCheck is different
When a check is issued, its key details are sealed into a Digital Watermark — a cryptographic signature of the item. At deposit, CheckCheck confirms the check still matches the one that was issued. It either matches its Digital Watermark, or it doesn't — evidence your team can act on, not a score to interpret or defend to an examiner.
CheckCheck validates a check from its Digital Watermark, so by default it keeps no account-holder data — only the signature that proves the item is unchanged. Need deeper audit or analytics? Opt into higher, encrypted retention tiers. Either way, your records stay isolated to your institution and are never pooled into a shared warehouse.
Authenticity is checked at the moment of deposit — before funds are released. Altered and counterfeit items fail the match, and a check already paid is flagged as a duplicate even when it's re-deposited at a different bank, so you stop the loss instead of chasing it.
Across the check lifecycle
At issuance
When your institution issues a check, it registers the amount, payee, and key fields with CheckCheck, and those details are sealed into a Digital Watermark carried on the item — a tamper-evident link between the physical check and its record before it ever leaves the building.
Learn moreAt deposit
At the teller line, in the branch, or through mobile deposit, CheckCheck authenticates the Digital Watermark and check data against the registration in real time. Altered payees and amounts fail the match; your policy decides hold, reject, or review.
Learn moreAcross the network
A check already paid elsewhere is flagged as a duplicate at deposit — even at a different institution. Stop-paid and voided items are caught the same way, the moment the issuer cancels them.
Learn morePilot program
A pilot runs on infrastructure dedicated to your institution and connects to your core or check-processing middleware. You get official SDKs and a diligence packet your IT and risk teams can actually review.
Common questions
No. CheckCheck returns a deterministic answer — the check either matches what its issuer registered, or it doesn't. Your team gets evidence, not a probability to second-guess.
No. CheckCheck sits alongside your core, remote deposit capture, and existing fraud vendors — register at issuance, verify at deposit. Most pilots are live in one to two weeks.
Only if you want us to. By default, CheckCheck keeps just the Digital Watermark needed to authenticate a check — no account-holder data. You can opt into higher, encrypted retention tiers for deeper audit or analytics. Either way, your data is isolated to your institution and never pooled into a shared warehouse.
Tell us about your check volume and where fraud is hurting today. We'll walk your team through how verification would fit — and what a pilot looks like.
