15 Check Fraud Prevention Tools To Consider in 2025

Checks continued to be the payment method most often subjected to fraud, with 63% of organizations reporting that they faced check fraud in 2024, according to the Association for Financial Professionals (AFP).

By implementing the right check fraud prevention tools, you can use products that provide real-time intelligence, automate detection, and significantly reduce losses.

To help you choose the perfect one, we highlighted 15 essential check fraud prevention tools to consider.
Let’s begin!

15 Check fraud prevention tools that strengthen your defenses

1. VALID Systems

VALID Systems is a trusted leader in AI-powered check fraud prevention and risk decision-making, backed by over 20 years of expertise in check risk evaluation.

With patented technology and a track record of industry-first innovations, VALID is the only check fraud solution that offers financial institutions guaranteed protection from returns and fraud-related losses.

Trusted by top-tier banks like PNC Bank, TD Bank, and Truist, VALID supports over $4 trillion in annual check volume.

Our commitment to security, compliance, and operational efficiency ensures that financial institutions can stay ahead of emerging threats while protecting customer data and assets.

Now, let’s take a closer look at the products we can provide you with:

RTLA© (Real-Time Loss Alerts)

RTLA© delivers fast, accurate check fraud detection the moment a check is presented—whether it’s through mobile deposit, ATM, or in-branch.

Powered by machine learning and behavioral analytics, RTLA© drastically reduces fraud losses while minimizing disruption to legitimate activity.

Why institutions trust RTLA©:

• Instantly detects fraud at the point of presentment.
• Works seamlessly across all deposit channels.
• Customizable thresholds tailored to your risk appetite.
• Severity scoring for smarter case prioritization.
• Reduces unnecessary holds and improves customer satisfaction.
• Captures over 95% of fraud losses with minimal false positives.

InteliFUNDS© 

InteliFUNDS© enables near-instant funds availability for the majority of check deposits using intelligent fraud screening.

It quickly identifies low-risk deposits so you can reduce holds without increasing exposure.

Key benefits:

• Fast and reliable fund access for 99% of deposits.
• VALID covers any fraud-related charge-offs.
• Enhances the customer experience by reducing delays.
• Builds trust with quicker access to money.

INclearing Loss Alerts

Some fraudulent checks bypass image analysis.

INclearing Loss Alerts targets those items that surface during the clearing process.

Using AI and behavioral data, it sharpens detection without creating operational drag.

What sets INclearing apart:

• Identifies hard-to-spot fraud during check clearing.
• Reduces false positives and manual reviews.
• Protects legitimate transactions while increasing accuracy.

Edge Data Consortium

Edge Data Consortium gives your institution access to a cross-bank intelligence network.

By analyzing behavior patterns across institutions, Edge identifies complex fraud scenarios, especially first-party and synthetic fraud.

How Edge boosts your fraud defense:

• Detects fraud patterns beyond your institution.
• Covers account openings, check activity, loans, and more.
• Supports GLBA compliance with actionable insights.

Portfolio insights & Analytics

VALID transforms raw portfolio data into visual dashboards and performance insights, giving your teams the visibility they need to act quickly and strategically.

Highlights:

• Real-time dashboards for operational transparency
• Informed, data-backed decision-making
• Enhances strategic planning and risk assessment

2. ACI Worldwide

ACI Fraud Management for Banking is an AI-driven solution designed to help financial institutions detect and prevent fraud across all payment channels in real time.

Leveraging machine learning and behavioral analytics, it enables banks to proactively identify and mitigate financial crimes, enhancing security and operational efficiency.

Key features

• Real-time detection: Monitors and flags suspicious check transactions instantly.
• AI and machine learning: Learns from transaction patterns to improve fraud accuracy.
• Customizable rules: Detects counterfeit, altered, and forged checks with tailored scenarios.

3. Feature Space

Featurespace’s ARIC for Payments – Check Fraud is a solution designed to help financial institutions detect and prevent check fraud in real-time.

Utilizing adaptive behavioral analytics, it analyzes transaction patterns across all channels to identify anomalies indicative of fraudulent activity, thereby enhancing security and operational efficiency.

Key features

• Adaptive behavioral analytics: Detects check fraud with dynamic, real-time customer profiling.
• Multi-channel fraud coverage: Identifies check fraud across deposits, clearing, and remote channels.
• Intuitive UI with image review: Streamlines analyst workflows and boosts operational efficiency.

4. OrboGraph

OrboGraph’s OrboAnywhere is a check fraud prevention platform that leverages OrbNet AI and image forensics to detect counterfeit, forged, and altered checks across deposit and on-us transactions.

It offers real-time and batch processing capabilities to enhance fraud detection and operational efficiency.

Key features

• AI-driven recognition: Enhances check data accuracy using deep learning for CAR, LAR, OCR, and ICR.
• Multi-engine validation: Uses voting algorithms to detect inconsistencies and fraud indicators.
• Omnichannel capture: Enables fraud detection across teller, mobile, ATM, RDC, and lockbox channels.

5. Advanced Fraud Solutions

TrueChecks by Advanced Fraud Solutions is a consortium-powered check fraud detection solution designed to intercept fraudulent deposits in real-time.

Leveraging a comprehensive database, TrueChecks provides real-time responses to counterfeit items, non-sufficient funds (NSF) transactions, closed accounts, duplicates, and other types of fraudulent activity.

Key features

• Real-time fraud detection: Uses consortium data to flag counterfeit, NSF, and duplicate checks instantly.
• Easy integration: Connects seamlessly with core systems and image capture platforms.
• Frontline risk guidance: Delivers actionable alerts with Reg CC recommendations for staff.

6. Abrigo

Abrigo's Fraud Detection software provides banks and credit unions with an AI-driven solution that utilizes check image analysis, a national fraud consortium, and a configurable decision engine to detect check fraud in real-time.

It automates workflows and leverages machine learning to boost accuracy, cut manual effort, and streamline investigations.

Key features

• AI-powered image analysis: Examines 24 check elements to detect fraud with risk scoring.
• Automated workflows: Streamlines detection, decision-making, and reporting processes.
• Multi-type fraud coverage: Identifies check, ACH, wire, and debit card fraud across channels.

7. Unit21

Unit21’s Real-Time Payment Fraud Prevention platform helps financial institutions detect and block fraud across check, ACH, and instant payment channels with sub-second monitoring and customizable rules.

Its AI-driven tools support proactive prevention, reduce false positives, and streamline investigations.

Key features

• Immediate check fraud response: Automates data checks to speed up investigations and reduce losses.
• Real-time rule customization: Adapts quickly to new fraud patterns with flexible detection logic.
• Comprehensive data ingestion: Analyzes multiple data types for full-spectrum fraud prevention.

8.  Verafin

Verafin’s Check Fraud solution offers financial institutions a comprehensive approach to detecting and preventing check fraud by leveraging machine learning, behavioral analytics, and consortium insights.

By analyzing extensive data from thousands of institutions, it identifies complex fraud patterns, including counterfeit and altered checks, while reducing the number of false positives.​

Key features

• Consortium-powered insights: Leverages massive shared data to detect fraud without exposing PII.
• Machine learning analysis: Identifies check fraud using image, transaction, and MICR evaluations.
• Cross-channel intelligence: Unifies fraud detection across checks, wire, ACH, and instant payments.

9. Mitek Systems

Mitek’s Check Fraud Defender is an AI-powered solution that enhances check fraud detection by analyzing check attributes using computer vision and machine learning.

Leveraging a consortium-based approach, it enables financial institutions to identify and prevent fraudulent checks across various deposit channels, including mobile, branch, and ATM.

Key features

• Consortium-powered detection: Uses shared check data and AI for real-time fraud scoring.
• Proprietary image analysis: Flags forgeries and compromised checks using computer vision.
• MiControl console: Centralizes fraud alerts and streamlines check investigation workflows.

10. DataVisor

DataVisor’s AI-powered check fraud prevention platform utilizes AI and machine learning to detect threats such as check washing, kiting, and remote deposit fraud in real-time.

It also includes case management and visual analytics to streamline investigations and reduce false positives.

Key features

• Advanced image analysis: Evaluates check attributes with Mitek to detect fraud.
• Customer verification via SMS: Confirms high-risk transactions through Twilio messaging.
• Case management with Knowledge Graph: Visualizes data links and streamlines investigations.

11. Alogent

Alogent Shield is a real-time check fraud solution that detects altered, washed, and counterfeit checks across all deposit channels.

It uses AI, machine learning, and computer vision to analyze check attributes and prevent fraud before processing.

Key features

• Multi-channel monitoring: Detects check fraud in real time across teller, RDC, ATM, and ITM channels.
• Advanced validation checks: Uses image and data analysis to verify MICR, signatures, and amounts.
• Customizable rules engine: Adapts fraud detection to institution-specific risk profiles and trends.

12. FraudSentry by Finovifi

FraudSentry by Finovifi is an AI-driven check fraud tool that detects counterfeit, altered, and forged checks in real time.

It combines image forensics and behavioral analysis across all deposit channels.

Key features

• AI-powered check analysis: Uses ASV-AI, CSV-AI, and style checks for high fraud detection accuracy.
• Real-time customer alerts: Sends instant messages for transaction verification and to prevent fraud.
• Customizable and seamless integration: Fits into existing systems with tailored fraud detection rules.

13. Straive

Straive’s check fraud solution utilizes AI and predictive analytics to detect fraudulent checks in real-time.

It helps financial institutions reduce fraud risk while improving operational efficiency.

Key features

• Real-time risk scoring: Instantly assesses the fraud risk of each check transaction.
• Forensic image analysis: Detects subtle signs of forgery and alteration using advanced image technology.
• Seamless system integration: Automates workflows without disrupting existing banking operations.

14. Refine Intelligence

Refine Intelligence’s check fraud prevention solution automates customer outreach for flagged checks, enabling real-time verification through a user-friendly digital process.

It integrates seamlessly with existing detection systems, helping financial institutions reduce fraud losses and operational costs.

Key features

• Automated customer outreach: Uses digital RFIs to validate suspicious checks quickly and accurately.
• System-agnostic integration: Enhances any existing fraud detection system without disrupting the workflow.
• Customizable, scalable workflows: Adapts outreach processes to institutional needs and alert volumes.

15. Fiserv

Fiserv’s Check Risk Mitigation solution helps financial institutions detect and prevent check fraud in real time across all deposit channels.

It leverages AI-driven image analysis, transaction monitoring, and consortium data to identify and block fraudulent items before they impact operations.

Key features

• Real-time presentment detection: Stops fraudulent checks at the moment of deposit.
• Efficient investigations: Reduces manual work and speeds up fraud analysis.
• Streamlined fraud analysis: Ensures consistent, compliant, and reliable fraud evaluations.

How to choose the right check fraud prevention tool?

To help you make an informed decision, here are six key factors to consider when evaluating a solution:

Real-time detection capabilities

Your fraud detection system should act the moment a check is presented.

Real-time tools help:

• Prevent fraudulent checks from clearing
• Minimize operational lag
• Reduce customer frustration by avoiding unnecessary holds

Guaranteed fraud loss protection

Not all vendors take on risk, but the right one should.

A provider that offers guaranteed coverage for fraud-related losses gives your institution added confidence and financial protection.

This means you can safely offer faster funds availability without absorbing the consequences of fraud.

Behavioral analytics and machine learning

Static rules aren't enough in today’s fraud environment.

A solution that learns from transaction behavior and adjusts in real time helps:

• Spot unusual patterns before they become costly
• Adapt to emerging fraud tactics
• Reduce false positives and review fatigue

Customizable thresholds and severity scoring

Every institution has different risk tolerances and operational structures.

Your fraud tool should allow:

• Threshold adjustments that reflect your institution’s risk appetite
• Severity scoring to help prioritize reviews and focus on high-risk items first

This makes your fraud prevention efforts smarter and more efficient.

Consortium intelligence access

Fraud rarely stops at one bank.

A tool that pulls in data from a broader network can detect larger patterns like:

• First-party fraud attempts across institutions
• Synthetic identity schemes
• Repeat offenders not yet flagged internally

This collective insight adds a critical layer of protection beyond what your internal systems can see.

Make the smarter choice: Choose VALID Systems

VALID Systems offers a powerful, AI-driven product suite that enables banks to detect and prevent check fraud in real-time, going far beyond the capabilities of traditional platforms.

Here’s what sets VALID apart:

• Automated fraud decisioning: Instantly detects counterfeit and altered checks using real-time data and behavioral signals, eliminating the need for manual intervention.
• Behavioral analytics: Advanced machine learning analyzes transaction patterns and customer behavior to identify high-risk checks before they result in losses.
• Seamless integration: Easily integrates with core banking systems, strengthening check fraud defenses without disrupting existing workflows.
• End-to-end protection: Monitors activity from deposit through settlement, offering continuous defense against evolving fraud tactics.

Looking to strengthen your check fraud prevention?

Book a demo today to see why top financial institutions trust VALID for faster, smarter check fraud protection.