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Do Your Cheques Pass the Sterling Security Check?

How safe are Bank Checks? Signature Line, Date and Amounts in alphanumeric and numeric characters are checked at the bank to ensure the date is within limits and signature lines are filled. There is no attempt made to verify signature. Unsigned cheques only very occasionally slip through especially when using banking machines. Numeric amounts are processed on the base of the cheques and occasionally minor errors occur. For the most part, these errors are not significant, or rather can be easily corrected and are rarely a result of any intent to deceive.

Theft and fraud are however, one of the biggest problems most industry faces. Stolen cheques, copied or illegally produced cheques (forged) have posed major problems for banks and their customers. In the past few years many bank customers have turned to the Internet for banking purposes including payment hoping to avoid these problems. As Internet banking has grown, Internet Fraud has become an even more serious problem. More and more companies and individuals are reconsidering the Internet option and are looking to the Print Industry for assistance.

At the same time New Cheque Specifications are being introduced to allow banks to process cheques more quickly using computer-imaging techniques and without requiring cheques to be physically moved to processing centres. Companies and banks want assurance that the cheques being processed are legitimate.

The best way to ensure your cheques are safe is to use a variety of Security Features. Printing Controls to help reduce the possibility of fraud. Fraud can occur internally - employee has access to blank cheques or externally - an unrelated individual attempts to alter or reproduce certain well-known cheques. When you use a trusted company like Sterling, you can be assured that you are getting the safest systems and newest techniques available to protect yourself, your client and the bank from theft or the potential problem of cash flow nightmares. Only legitimate printing companies have access to specialized paper & inks.

You can count on the experts at Sterling for GREAT SOLUTIONS at GREAT PRICES!

1.

SECURITY PAPERS - There are various kinds of paper available only to specialized companies which have certain "security" features including:
Security Papers are available only to legitimate printers and include very special features such as:

Defensa Premium (CB)

  • Optically dead
  • Bleach & oxidizer stain reaction
  • Polar & non polar solvent class reactions
  • Acid & Alkali stain reactions
  • Invisible florescent fibers
  • Visible red and green fibers
  • True paper machine watermark

Defensa Premium SG Printloc™
  • This high-level security paper contains all the features of the basic stock plus Printloc™ toner ancorage

DocuCheck (also available in DocuCheck Watermark & Tonerfuse)
  • A high performance paper suitable for both continuous and laser applications.
  • It contains only invisible fibres (visible only under ultra violet light).
  • It also includes 3 chemical reactants to prevent alteration and
  • Docucheck has an endorsable coating on the reverse side (CB) to eliminate skipping problems when signing in pen.

Standard Safety Papers
  • Low level security papers still offer protection where the risk is low.
  • These papers when erased (i.e. to change the amount of cheque) will smear or smudge and leave blank areas on an otherwise screened cheque.

2.

SECURITY INKS

Bleed-Through Numbering

  • Red Consecutive Numbering that bleeds red through to the backside of the paper.
Coin Reactive Ink
  • A colourless ink that converts to black when rubbed with the edge of coin. This ink provides IMMEDIATE VERIFICATION.
Erasable Ink
  • Erasable ink is used on the background of a document so that when an attempt is made to erase information, the ink rubs off in that area. The ink will also react in the same manner as solvent/chemical reactive inks do, giving you two security features in one. Erasable inks are used on scenic or pantograph backgrounds on checks and certificates.
Thermochromic Ink
  • Available in a variety of colours, this ink turns colourless when touched providing IMMEDIATE VERIFICATION.   Heat from copiers and scanners also activate a colour shift making copying extremely difficult.
Water Reactive (Bleeding Ink)
  • Black ink that bleeds red when contacted with water or aqueous solutions.   This ink provides IMMEDIATE VERIFICATION.

3.

OTHER SECURITY FEATURES - can be printed on your document including

  • Warning Bands , or areas indicating Security Features Included - Warning Bands are useful because they alert document handlers and discourage fraud attempts.
  • Microprint Signature lines or borders
  • Border Copy Warnings
  • MICR consecutive numbering requiring specialized inks and equipment is a required security feature by all Canadian Banks & the CSA.
  • Safety screens etc.
  • Artificial Watermarks - Transparent White Ink on Cheque BACK creating an artificial watermark
  • VOID Pantograph behind Cheque SCREEN - Void Screens show up only when someone tries to scan or photocopy a cheque.   While still a valuable option, changes to cheque specifications by the Canadian Payments Association (CPA) require certain changes to VOID screens for newer imaging techniques and data storage techniques.   See New Cheque Specifications.
  • MOD 9 Sequential Numbering Mod (modulus) numbering involves printing an additional digit to the right of the sequential number.   This process enables the document owner to verify and control some aspect of the document.   Verification of the proper sequence can be accomplished manually or by using a computer programmed for the verification procedure.   A high Security numbering system used for control of insurance forms, patient form, airline tickets, bank accounts etc

Talk to the experts at Sterling for more information on what's
available and what the best options are for you.   How safe do you need to be?
Call us at 905-839-4657 or 1-888-257-2570