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Certegy Check Services, Inc. ("Certegy") provides check authorization and guarantee services to merchants and businesses nationwide. Certegy is a "nationwide specialty consumer reporting agency" governed by the Fair Credit Reporting Act (FCRA). You have the right under the FCRA to know the information contained in your file at Certegy. You also have the right to a free copy of your check transactions file from Certegy if you request it within 60 days of the date your check was declined. In addition, if you find that any information contained in the file from Certegy is inaccurate or incomplete, you have the right to dispute it with Certegy.


You may write:

Certegy Check Services, Inc.
P.O. Box 30046
Tampa, FL 33630-3046

Certegy VIP

Unlike debit or credit cards, most retail stores do not verify if funds are available before they cash a check or allow you to pay with a check at the register. Instead, they may use Certegy to look for potential risk factors including, but not limited to location, check writing and cashing history, check number, amount, and fraud trends they have seen from other customers. Certegy's response provides the retailer with a recommendation based on whether the check is likely to be returned. For example, Certegy may recommend that a check not be accepted if it is similar to other checks that were recently accepted and returned to them as fraudulent. This service enables many of our clients to continue offering check writing and cashing options that might not otherwise be available without protection from exposure to potential losses.

Certegy's VIP Program may reduce the likelihood that your check will be declined for these risk factors. To enroll in this free program, simply download and submit the VIP Enrollment Form, along with its required information, to Certegy at the fax number or mailing address indicated on the form. There is no cost associated with the VIP Program.

Reporting Check Fraud

If you wish to report a lost or stolen check, forged, counterfeit, or identity theft to Certegy, please mail or fax the appropriate document(s) as described below to our Correspondence Department:

Download Affidavit Form


• Checks were stolen or forged

Send a signed and notarized Affidavit of Forgery and a police report to Certegy. If the Drivers License * was used, also send a copy of the Drivers License * it can be cleared in our system.

• Checks Counterfeited (with consumer's name and account)

Send a signed and notarized Affidavit of Forgery and a police report to Certegy. If the Drivers License * was used, also send a copy of the Drivers License * it can be cleared in our system.

• Checks Counterfeited (used consumers name and address only)

Send a signed letter stating that your name and address was used on counterfeit checks, and you have no knowledge of the account.

• Checks Counterfeited (used consumers name and Drivers License *)

Send a signed and notarized Affidavit of Forgery and a police report to Certegy. If the Drivers License * was used, also send a copy of the Drivers License ** it can be cleared in our system.

• Company Checks

If the check is counterfeit, send a signed letter stating the check is counterfeit. If the check was forged, send a signed and notarized Affidavit of Forgery and a police report to Certegy.

Mail your Affidavit documents to:

Certegy Check Services, Inc.
P.O. Box 30046
Tampa, FL 33630-3046

Fax your Affidavit documents to:

Fax: 727-570-4936

* A State Issued ID Card is only acceptable if you do not have a Drivers License.

** If the account is a joint account, all parties must sign the affidavit. Affidavits are processed within thirty days of receipt. Once the affidavit is processed you will receive a confirmation letter.