High Security Checks: When Extra Protection Is Worth It

What Are High-Security Checks?

High-security checks are a premium tier of checks that include additional security features beyond the standard ABA-compliant features. Checks Unlimited offers a high-security tier that adds two-dimensional holographic foil to the standard security features (chemically reactive paper, watermarks, microprinting, heat-sensitive ink, void pantographs, and UV-reactive fibers).

Additional Security Features

The holographic foil on high-security checks creates a visual verification element that is difficult to replicate without specialized equipment. When the check is tilted, the foil displays a two-dimensional holographic image that changes appearance. This provides a visible verification point that goes beyond the standard security features.

High-security checks typically include all standard ABA security features plus the holographic foil, making them more difficult to alter, reproduce, or forge. The combination of multiple security layers provides defense in depth — each feature addresses a different type of fraud attempt.

When High-Security Checks Are Worth It

High-security checks are worth considering for: businesses that write high-value checks, individuals concerned about check fraud, accounts with a history of fraud attempts, and situations where checks are mailed frequently (increasing exposure to mail theft). The additional cost per box is typically modest compared to the potential financial loss from a single fraudulent check.

When Standard Checks May Be Sufficient

Standard ABA-compliant checks already include multiple security features that provide significant protection. For personal use with low check volumes and small amounts, standard checks may be sufficient. If you write few checks, monitor your account regularly, and store checks securely, the additional security features of high-security checks may not provide enough additional benefit to justify the cost.

Cost Comparison

High-security checks cost more than standard checks due to the additional holographic foil and enhanced security features. The exact price difference varies by check printer and design. Compare the per-box cost of standard vs. high-security checks on the official Checks Unlimited website to determine whether the additional cost is justified for your situation.

Combining with Fraud Protection Programs

High-security checks can be combined with fraud protection programs like SentryShield for additional protection. The physical security features of high-security checks reduce the likelihood of fraud, while SentryShield provides financial protection if fraud occurs despite the physical features. This combination offers both prevention and recovery, though it involves additional costs.