Why CheckCheck

A score isn't an answer

Consortium and behavioral tools score a deposit against shared history and patterns. That's useful, but it leaves your team with a probability to interpret and, eventually, to defend. CheckCheck takes a different approach: when a check is issued, its key details are sealed into a Digital Watermark — a cryptographic signature of the item — and at deposit we authenticate the check against it. An altered payee or amount fails the match; a counterfeit from a participating issuer comes back as never registered. The result is a definite, match-or-no-match answer — backed by evidence an examiner can follow.

You decide what we keep

Because CheckCheck authenticates a check from its Digital Watermark, it doesn't need to hold your customers' account data to do its job. New institutions start with no account-holder information retained — CheckCheck keeps only the signature and field hash that prove the check is unchanged. If you want deeper audit, analytics, or image workflows, you can opt into higher retention tiers, where sensitive fields are encrypted at rest and access is logged. Whatever tier you choose, your records are isolated to your institution and never pooled into a shared warehouse.

The fraud no single bank can see

When a paycheck is mobile-deposited and the same image is presented again elsewhere, the second deposit can clear before anyone connects the two — because no individual bank sees both. CheckCheck verifies across every participating institution, so a check that has already been paid is flagged as a duplicate at deposit — even at a different bank. Stop payments behave the same way the moment an issuer voids an item.

It sits alongside your fraud stack, not on top of it

CheckCheck isn't a rip-and-replace. Its verification outcomes — and the lifecycle of each payment from registration through resolution — are clean, event-time labels your existing tools and models can consume as features or ground truth. If you run a consortium product or an in-house model today, CheckCheck makes their labels sharper rather than competing with them.

You stay the bank of record

CheckCheck does not hold funds, move money, or settle. Your institution remains the issuer or the bank of first deposit, and your policy decides whether to hold, reject, or review. We provide the verification, the audit trail, and the diligence materials — your team keeps the decision.