Check fraud prevention since 1991
Protect Every Check. Stop Fraud Before It Happens.
Advanced check security and authentication technology that helps businesses and financial institutions detect tampering, strengthen payment controls, and protect the integrity of every transaction.
1991
Founded in Burbank, California
30%
of fraud losses are check fraud — 2024 Fed survey
10+
Accounting platforms supported
The problem
Check fraud keeps evolving. Traditional controls haven't.
Positive Pay compares checks against an issuer file — powerful, but only when clients send files on time and verify every alert. Cheque Guard encodes the check data on the check itself, so verification doesn't depend on either.
Altered checks
Payee names, amounts or dates changed after issue.
Counterfeit checks
Convincing copies produced from legitimate check images.
Issue-file gaps
Positive Pay depends on clients sending issuer files and clearing alerts correctly.
Handwritten checks
Traditional Positive Pay doesn't cover personal and handwritten checks.
Product ecosystem
Protection from issuing to clearing.
Tamper-proof digital seal for every check you issue
CheckSeal™
ChequeSeal software is state of the art check printing and management software that makes check printing more efficient and secure.
- Encrypted seal printed on every check
- Proofs checks against fraud and counterfeiting
- Creates a Positive Pay file as checks are printed
Secure check printing and electronic payments
ChequeSuite™
Windows software that lets businesses integrate and rapidly deploy secure, controlled check printing alongside electronic (ACH) payment workflows.
- Secure, controlled check printing
- ACH electronic payment support
- Positive Pay file generated at print time
Real-time check authentication at the point of deposit
CheckTeller™
CheckTeller™ is ChequeGuard's intelligent desktop verification solution that allows banks, credit unions, and high-volume check recipients to instantly verify the authenticity of incoming checks using our patented CheckSeal™ encryption.
- Verifies encrypted CheckSeal™ codes instantly
- Works with any standard desktop scanner
- Ideal for banks, credit unions and high-volume recipients
Centralized check validation & fraud prevention platform
CheckPoint™
CheckPoint™ is the command center of your check fraud prevention ecosystem. Built for banks, credit unions, and enterprises managing high volumes of check transactions, it delivers real-time authentication, end-to-end visibility, and unmatched control over check issuance and deposit validation.
- Barcode Positive Pay — no issue file needed
- Real-time alerts and exception reporting
- Centralized dashboard for compliance tracking
Bank-integrated fraud prevention that works around the clock
Positive Pay
Positive Pay is ChequeGuard's final layer of defense in the fight against check fraud—directly connecting your issued check data to your financial institution. By verifying each check before it clears, it stops altered or counterfeit checks from ever hitting your account.
- Compatible with major banks and treasury platforms
- Minimizes risk of altered or counterfeit checks
- Meets regulatory and compliance standards
How it works
Secure at the source. Verified on presentment.
- 1
Issue
Checks are printed from your existing accounting system through ChequeSeal or ChequeSuite.
- 2
Encrypt
Key check data is encoded into a secure barcode on the check at the source.
- 3
Scan
The check is scanned at deposit or clearing by CheckTeller or CheckPoint.
- 4
Validate
Encoded data is compared with the printed serial number, amount, date and payee.
- 5
Flag
Discrepancies are flagged as exceptions for review before funds are released.
Integrations
Works with the accounting system you already run.
ChequeSeal interfaces with leading accounting and ERP platforms. Availability may vary by deployment — talk to us about your environment.
Who we serve
Built for institutions and the businesses they serve.
Banks & credit unions
Authenticate checks at the teller line and in clearing with Barcode Positive Pay.
Businesses
Print secure, encrypted checks directly from your accounting system.
Treasury & AP teams
Generate Positive Pay files automatically as checks are printed.
Payment operations
Centralize validation and exception review across check volumes.
News & resources
Latest from Cheque Guard
Press Release
Plumb Bill Pay Partners with Cheque Guard
Plumb Bill Pay, a premier back-office accounting, financial reporting, and bill pay firm for family offices and high-net-worth clients, announces a partnership with Cheque Guard and its fraud detection tools and software.
Industry Research
Check Fraud Accounts for 30% of Fraud Losses, According to Fed Survey
Findings from the 2024 Federal Reserve Financial Services Financial Institution Risk Officer Survey highlight the continued impact of check fraud.
Education
Understanding the Different Types of Positive Pay
Check Positive Pay, Payee Positive Pay and Barcode Positive Pay — how each works and where traditional approaches fall short.
Strengthen Your Check Security Strategy.
Discover how Cheque Guard can help your organization improve check authentication and strengthen fraud prevention workflows.