Eligible Check Order
The checks tied to a single checking account number which are purchased from a Financial Institution that uses Harland Clarke as their personal and business check provider.
You, Your, Purchaser or Account Holder
You, Your, Purchaser or Account Holder each refer to the person purchasing or receiving personal or business checks from a financial institution that agrees to include CheckArmor® from Harland Clarke.
An otherwise legitimate or valid check(s) purchased by the account holder (or on behalf of the account holder as authorized) that are forged with the account holder’s signature, as the payor, which results in a debit to your checking account by your financial institution from which the check is drawn.
An otherwise legitimate or valid check(s) purchased by the account holder (or on behalf of the account holder as authorized) that is/are endorsed and either cashed or deposited by someone other than the designated payee, based on a fraudulent endorsement. Forged endorsements do not include a secondarily fraudulent endorsement after a legitimate and valid original endorsement.
An otherwise legitimate or valid check(s) purchased by the account holder (or on behalf of the account holder as authorized) that contains altered information as to the payee and/or check amount so as to benefit the person altering the check and not the account holder.
The most common type of internet or email fraud is called Phishing. Criminals will send phony emails which look official and legitimate. Most often the emails provide links to websites that will ask you to “re-enter” your personal information for confirmation. This information is then used to attempt to gain access to your accounts. Most reputable financial institutions will never ask you for this type of information via email.
In Vishing attempts, a criminal will send an email asking customers to call a telephone number. This number may be very close to the real number in an attempt to catch the customer off guard. Once the number is called the caller is prompted to enter their personal information via voice or keypad.
Smishing is the mobile device activity that is similar to Phishing. By using text messaging or email the attacker will try to lure the customer to a malicious site and convince them to install a code on the portable device. This will allow the attacker access to your mobile device, personal information and account information.
Another form of online fraud, Pharming is one of the hardest to detect. Pharmers will redirect you to a bogus web site when you type in the right address for your financial institution or other accounts. They will usually send an email asking you to go to the website in question and will intercept the site link.
Refers to those members of the CheckArmor® team that, among other tasks, receive advancement requests from CheckArmor® customers, verify eligibility for the CheckArmor® program benefits, review the completeness and accuracy of the required documentation submitted in connection with an advancement request, and answer questions pertaining to the CheckArmor® program.