Security Benefits of Checks

While our modern culture seems to revolve entirely around technology, in many aspects, this technological dependence makes us vulnerable. Online shopping, for instance, is a perfect example of one way that a modern convenience that benefits us greatly has also made us more susceptible to criminals.

When the Internet shopping boom first began, a multitude of unlawful activities arose. Identity theft, unauthorized credit card transactions, and robbery of personal information were just a few of the new offenses that sent corporations and authorities scrambling for increased security and new preventative measures.

Interestingly, the safest route in the wake of this new spree was to call in orders and speak to customer service—seemingly a step back. Another method was to use checks rather than credit cards. This begs the question: In this age of high-tech performance, could low-tech be the answer to security needs.

Checks are very possibly still the safest bet in many transactions. For security, checks are unbeatable. There are a number of protective features built-in to personal checks that promote safer financial dealings. One of these safety features that are commonly used is the padlock icon, which provides the assurance that all of the security measures follow guidelines set by the Financial Stationers Association. The peace of mind of knowing that all enhancements are following these important rules provides the assurance that there is a standard being met with all of the security features.

Another method for protecting the owner of a bank account is by using photo checks. This creative new feature allows a customer to choose a specific photo for a check. If one chooses a family photo or a photo that identifies the customer, the choice will effectively eliminate the question of who the check owner is. This successful strategy works much in the way that some companies are offering a small photo to be added to a debit card for identification purposes.

Oftentimes the back of the check explains these features, providing retailers and banks the information needed to verify that the check is not fraudulent. These descriptions are important in maintaining continued security.

There are also icons or text printed using MICR-security. This type of print is a tiny print that will break up if photocopied. There are also other photocopying safety measures- photocopies may also bear “secret messages” that are not revealed unless the check is photocopied. In some cases, a photocopy(Are You a Thief? Photocopying is Stealing) of a check yields the otherwise invisible message “VOID – VOID – VOID.”

Therefore, when considering how to guard yourself from fraud or identity theft, consider that when you order checks, you are ordering a financial security system on paper.