Protecting Real Time Payments

Protect your payments. Defend your deposits.

  • Reduce fraud loss with real-time payment and deposit screening and conclusive account insights  
  • Enhance customer experience with immediate insights for fast, low-risk transactions 
  • Improve operational efficiency with automated transaction screening for early fraud detection

Find the payment risk solution that meets your needs today

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FIs with 5 million credit accounts can expect to save $5M a year on improper and fraudulent credit payments with Payment Chek®. 

6 of the top 10 banks in the United States use Deposit Chek®

FIs with 5 million deposit accounts can expect to save $29M in annual fraud loss with Deposit Chek®. 

Mitigating fraudulent payments while providing a seamless customer experience.

Watch the videos to learn more about our payment and deposit risk solutions.

The power of our network helps FIs thrive

The Early Warning payment and despot risk capabilities are powered by the National Shared DatabaseSM – the largest consortium of U.S. financial deposit performance data – ensuring trust and comprehensive insights:

  • Alerted banks to 11 million payment transactions going to unauthorized accounts
  • Helped the U.S. financial system save $1.76 billion in total potential fraud loss
  • Receive real-time responses on 95% of all deposited items

Shield your transactions, no matter the sender or recipient 

Whether you’re looking to open more lines of credit or accelerate funds availability, Early Warning has a solution.  

  • Screen inbound payments to efficiently reduce ACH and check returns 
  • Validate outbound payments in real-time to mitigate misdirected or fraudulent disbursements 
  • Authenticate and confirm account ownership prior to originating financial transactions. 
  • Screen deposit items at the point of transaction for early detection of fraudulent items​
  • Confirm external accounts in real-time when funding a new account at your financial institution.
  • Catch improper Treasury checks with a direct integration to the Fiscal Service’s Treasury Check Verification System (TCVS)

How it works in real-time

Step 1


A customer initiates a payment transaction or makes a deposit 

Step 2


An inquiry is submitted to the Early Warning National Shared DatabaseSM to determine the risk profile or score  

Step 3


Early Warning responds in real-time with actionable account insights and risk scores

Step 4


Your FI makes a confident and informed decision based on its risk tolerance to reduce its fraud exposure 

Learn how to understand risk when it occurs.

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