Girard is located in Kansas and has assets of $300 million. They provide services through 8 statewide bank branches in their region. With FPS, Girard met their objective to screen 100% of their on-us checks and they are now able to quickly notify customers of forged signatures or counterfeit checks written against those accounts. In addition to reducing losses, this also improved Girard's customer retention ratio and improved bank profitability.

"Above and beyond finding fraudulent checks, protecting our customer's identity and confidentiality is paramount at Girard National," says Cindy Bright, Head of Operations, at the Bank. "Our customers are very appreciative of receiving a call if a check is not signed, or if we are questioning the signature." These measures help differentiate Girard National Bank as an innovative institution taking proactive steps to stop fraud within their community.

Consumers are concerned about identify theft. "It is a relief for them to know that using today's technology, we are taking measures to insure that our banking customers will not take a loss on a fraudulent check," adds Cindy Bright.

Through the use of the FraudProtect System, Girard National is establishing value-add service and helping build loyalty and rapport with their customers - long term this contributes directly to the banks bottom line.

Mitek's FraudProtect System is a comprehensive, automated software application that allows banks to detect the most common forms of check fraud, signature forgery and counterfeit checks. The FraudProtect System allows banks to screen all of their checks including IRDs and demand drafts for forged signatures, alterations and counterfeiting. The image-based software solution pulls check images from a bank's check processing system, applies more than 200 authenticating tests, and then routes suspected fraudulent items for fast and accurate "pay" or "no pay" decisions. Banks are able to screen 100% of their on-us checks during Day 1 and 2 processing, helping them avoid losses from in accurate posting by the midnight Day 2 processing deadline.

"Customers are very appreciative of receiving a call if a check is not signed, or if we are questioning the signature," said Cindy Bright, Head of Operations, Girard National Bank. "It is a relief for them to know that with the new technology of today, we are making sure that their personal information remains confidential, and that we are taking measures to insure that our banking customers will not take a loss on a fraudulent check."