Personal and business checks ordered through participating financial institutions that use Harland Clarke includes CheckArmor, a comprehensive check fraud resolution and recovery service. Each eligible check order provides access to U.S.-based Fraud Resolution Specialists who are available Monday through Friday, 8:30 a.m. to 7:00 p.m. Eastern Time to answer your call. Specialists can assist with resolving check fraud involving the routing and account number printed on the check, including fraud related to physical checks, debit card misuse, online fraud, mobile phone transactions or account takeover connected to the affected account.
Benefits Period
CheckArmor is available for up to one year from the date your check order is shipped or your use of the last check in the applicable check order; whichever is first (your “Service Period”). Service is only available for fraud that occurs or is first discovered during your Service Period. If you are in the resolution process (actively working with a Specialist) when the Service Period expires, your resolution case will continue until it is resolved, with no time limit.
See Benefits for more details.
Check Fraud Response Team Standing By
Step 1: You discover fraud
- You notice unauthorized activity involving the checking account tied to your eligible check order.
Step 2: You contact CheckArmor at 800-336-5143
- Reach out to report the issue and open a case.
Step 3: A Resolution Specialist is assigned
- A certified Resolution Specialist becomes your main point of contact.
Step 4: Resolution steps are coordinated
- Your specialist helps guide you through documentation, notifications, and recovery actions.
Step 5: You receive ongoing support throughout resolution
- CheckArmor continues assisting you until resolution steps are completed, with no time limit.
Fraud Resolution Support
Depending on the specifics of your case, CheckArmor provides:
- Assistance placing fraud alerts with major credit bureaus
- Investigating and documenting fraudulent transactions and false accounts
- Contacting creditors to dispute charges
- Closing fraudulent accounts
- Liaising with relevant government agencies
- Creating and maintaining a comprehensive case file for law enforcement
- Managing paperwork, follow-up communication, and documentation for the identity theft case
- Assistance with replacing lost documentation, such as credit cards, personal documentation, or government-issued documents.
- Assistance with insurance claim documentation, if applicable
- Twelve months of follow-up and free credit monitoring to stay alert to changes in your credit file.
See Benefits for more details.
Check Replacement Benefit
If fraud occurs which requires you to change your checking account number, Harland Clarke will provide a replacement order of your printed checks at no cost. This helps ensure you can continue paying bills and managing your finances without added disruption while you complete the recovery process.
Identity Theft Expense Reimbursement*
Check fraud can be considered a type of identity theft. You are eligible for Identity Theft Expense Reimbursement insurance coverage as a member of CheckArmor. This coverage may reimburse certain expenses incurred while recovering from check fraud, up to the policy limit ($2,500 for personal check fraud and $25,000 for business check fraud), including:
- Lost wages
- Attorney fees
- Other eligible recovery-related costs
Cash Recovery Benefit*
The Identity Theft Insurance also reimburses losses from your checking account, within the same limits referenced above, resulting from a fraudulent act involving an eligible check order, including:
- Forged checks
- Altered checks
- Counterfeit checks
Cash recovery applies when funds are not recoverable from your financial institution from which the check was issued. IMPORTANT: A claim must be submitted within 60 days of the discovery of the check fraud loss. Other terms and conditions apply to this coverage.
See Benefits for more details.
*The Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Review the Insurance Guide to Benefit.