The SentryShield Fraud Protection Program: What It Covers

What Is SentryShield?

SentryShield is a check fraud protection program offered by Checks Unlimited. According to the company's public pages, SentryShield provides an additional layer of protection beyond the physical security features built into the checks. It is an optional add-on that can be selected during the checkout process.

What It Covers

According to publicly available information, SentryShield covers: forged signatures, forged endorsements, and altered check information. The program provides advancement of funds up to $25,000 within 72 hours in the event of covered fraud. This means that if someone forges your signature, forges an endorsement, or alters information on your check, you may be eligible for fund advancement under the program.

The specific terms, coverage limits, exclusions, and claim process should be verified on the official Checks Unlimited website. Coverage details may change over time, and there may be conditions or limitations that are not immediately apparent from publicly available descriptions.

How It Differs from Physical Security Features

Physical security features — like microprinting, watermarks, and holographic foil — are built into the check paper to deter and detect fraud. SentryShield is a program that provides financial protection if fraud occurs despite those physical features. Think of it as insurance: the physical features reduce the likelihood of fraud, while SentryShield helps you recover financially if it happens.

Cost and Availability

SentryShield is an optional add-on, meaning it is not automatically included with your check order. It may involve an additional fee at checkout. Some publicly available customer feedback has noted that add-ons like SentryShield can be pre-selected in the checkout process, requiring active opt-out. Review your cart carefully before submitting your order to ensure you're only paying for what you want.

Is SentryShield Worth It?

Whether SentryShield is worth the additional cost depends on your risk profile and how many checks you write. If you write a large volume of checks, handle significant payment amounts, or are concerned about check fraud, the program may provide peace of mind. If you write few checks or small amounts, the standard ABA-compliant security features may be sufficient.

Consider also that your bank may offer its own fraud protection services. Check with your bank to understand what protections are already in place before deciding whether to add SentryShield.

How to File a Claim

The specific claim process for SentryShield is not prominently documented on publicly available pages. If you need to file a claim, contact Checks Unlimited customer service for instructions. Have your order information and details of the fraudulent activity ready. Verify the current claim process on the official website or by contacting customer service directly.