Below are answers to the most commonly asked questions to help you quickly find the information you’re looking for.
How do I contact CheckArmor?
CheckArmor Members: For individuals and business representatives entitled to the CheckArmor services, contact us at 800-336-5143.
Harland Clarke: If you have any questions about your check order, including questions about how and when you can become eligible for CheckArmor, contact Harland Clarke at:
Personal Checks 1-800-275-1053
Business Checks 1-800-503-2345
Puerto Rico Check Customers 1-800-981-8405
How did CheckArmor get included in my check order?
Your financial institution provides CheckArmor Check Fraud Resolution as an added-value service to your personal and business check orders. Should your personal checking account or business checking account be affected by check fraud, as described in this website, we encourage you to take full advantage of the service.
When do the CheckArmor services end?
CheckArmor services are available for up to one year from the date your check order is shipped, or until the last check in your order is used, whichever occurs first.
Is there an additional cost when you use the CheckArmor services?
No. When CheckArmor is included with your check order there is never any additional cost when you use the services.
Does CheckArmor include insurance?
Yes. CheckArmor is a bundle of added-value services that helps protect you from the damage that can be caused by check fraud. Your eligibility for CheckArmor makes you a member of the CheckArmor group and therefore entitled to an insurance benefit that helps offset certain losses and recovery expenses. This Identity Theft Insurance with Cash Recovery is underwritten by American Bankers Insurance Company of Florida, an Assurant company. The coverage may not be available in all jurisdictions and is subject to terms, conditions, and exclusions. See Benefits for additional information, terms and conditions.
Who owns CheckArmor?
CheckArmor is owned by Harland Clarke, a Vericast Company and a leading provider of payment, check, and security solutions for financial institutions and their customers. The services provided through CheckArmor are powered by a partnership between Harland Clarke and NXG Strategies, LLC, which delivers fraud monitoring, resolution support, and recovery services as part of the CheckArmor program, as further described on the About Us page of this website.
What should I do if I suspect check fraud?
Don’t panic. If you suspect check fraud follow these steps:
Step 1: Call 800-336-5143 to report the check fraud to open a case. A Resolution Specialist will be assigned as your primary point of contact. The Specialist support hours are Monday through Friday, 8:30 a.m. to 7:00 p.m. Eastern Time.
Step 2: Your Resolution Specialist will provide and help you complete the required paperwork to begin fraud remediation and recovery. See Benefits for more information about the steps in the resolution process.
How does Cash Recovery work?
Cash Recovery is an additional coverage of the Identity Theft Expense Reimbursement Insurance and helps reimburse certain unrecoverable financial losses that result from fraud or identity theft. Cash Recovery shares the same overall policy limit as the Identity Theft Expense Reimbursement Insurance and may apply when losses cannot be recovered from a financial institution or card issuer, subject to the policy’s terms and conditions. See Benefits for additional information, terms and conditions.
What can I do to help prevent check fraud?
- Handle your checks and account information carefully and review activity regularly.
- Store checks, deposit slips, and bank statements in a secure, locked location, and reconcile your bank statements promptly to spot unauthorized activity early.
- Never share your account number or personal information with unknown individuals by phone, email, or online.
- Shred old checks, deposit slips, and account statements you no longer need, and inspect new check orders immediately to ensure all checks are present.
- When writing checks, avoid leaving blank spaces in the payee or amount fields, never make checks payable to cash, and do not endorse checks until you are ready to deposit or cash them.
Taking these simple precautions can help reduce exposure and make it harder for fraud to occur.