Insight at the moment of deposit

Deposit Chek® screens check and ACH deposits in real time to predict the likelihood of return—helping your institution make smarter hold decisions, reduce fraud loss, and deliver a seamless customer experience.

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Three ways to help reduce risk and release funds faster with Deposit Chek®

Improve the speed and accuracy of return predictions

Balance regulatory compliance requirements with customer expectations for fast fund access.

Support confident Reg CC hold decisions

Balance compliance with faster funds availability using real-time risk insight.

Detect what others can't alone

Tap into the largest consortium of network-scale U.S. deposit performance data to identify patterns no single institution can see alone.

Explore how leading institutions are strengthening deposit fraud prevention with Deposit Chek®

Guide
5 use cases for combating deposit and payment fraud in real-time
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Combating deposit payment fraud

See how financial institutions use Deposit Chek® to screen teller, ATM, mobile, ACH, and new account funding transactions in real time to enhance security and deliver seamless experiences.
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ebook
Payment and deposit fraud prevention in the era of faster banking
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Payment and Deposit Chek® eBook

Learn how Deposit Chek® helps reduce losses, enhance customer satisfaction and balance risk, efficiency and compliance.
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Safeguarding deposit channels together

Fraud loss identified

$

1.67

B+

Deposit Chek® helped the U.S. financial system identify $1.76B in potential fraud loss in 2024.1

Deposit risk responses

95

%

Deposit Chek® provides responses on 95% of deposited items.1

‍

Items screened

7.9

M

Early Warning helped U.S. financial institutions verify the ownership of 7.9 million new account funding sources.1

‍

¹ Early Warning® analysis of 2024 National Shared DatabaseSM inquiries.

What sets Deposit Chek® apart

Industry-wide intelligence powers smart fraud detection and confident deposit decisions

Powered by shared intelligence

Detect duplicate and counterfeit check activity.

Built for real-time decisions

Screen deposits across channels as transactions are initiated.

Designed to support your policies

Tailor responses to your compliance requirements and unique risk tolerance levels.

Talk to an expert

Learn how Certos helps financial institutions reduce fraud and protect payments at scale.

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