EZShield

EZShield™
Frequently Asked Questions

How can everyone see on my check that I'm protected by EZShield™?
What kind of protection does my EZShield™ coverage provide?
How does EZShield™ protect me from check fraud?
How do I make a reimbursement request?
What are they limitations of my EZShield™ coverage?

How can everyone see on my checks that I'm protected by EZShield?
A: The EZShield™ logo and information is printed just below the check number on each and every check.

EZShield Check Example

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What kind of protection does my EZShield™ coverage provide?
A: Thank you for purchasing the EZShield™ Check Fraud Protection Program® (EZShield™ or "Program"), the affordable and easy way to safeguard your personal checks from fraud.

The maximum reimbursement is $25,000 for all checks, regardless of the number of checks for which the requests for reimbursement are presented and/or the number of requests made. Please note that if these personal checks are used to represent a business, the maximum reimbursement will be $15,000.

EZShield™ applies to personal checks only and only to checks purchased. It does not and will not apply to deposit tickets and checks not included in a box of checks for which EZShield™ was purchased, even if such checks were also purchased from your check printer. EZShield™ only applies to checks actually utilized as checks for a specific transaction. To be reimbursed under the Program, the fraud must be committed in the US and must be reported to law enforcement authorities as evidenced by a police report.

EZShield™ is designed to facilitate your recovery of covered losses, such that you may obtain benefits directly from EZShield™ by assigning your claims against the responsible banking / financial institution. With EZShield™, you will not need to seek any reimbursement from your bank / financial institution.

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How does EZShield™ protect me from check fraud?
A: Check fraud continues to be on the rise in this country. With EZShield™, you'll enjoy peace of mind knowing you're protected from three major types of check fraud:

Forged Signatures. EZShield™ applies to legitimate blank checks that are forged with your signature, as the payer, that results in a debit to your checking account.

Forged Endorsements. EZShield™ applies to a legitimate check that is endorsed and cashed or deposited by someone other than the designated payee based upon a fraudulent and false endorsement. EZShield™, however, does not apply to a check that bears a legitimate original endorsement that is secondarily fraudulently endorsed.

Altered Checks. EZShield™ applies to legitimate checks that contain altered information such as the payee identification, check amount, or that are otherwise altered to benefit the party altering the check.

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How do I make a reimbursement request?
A: If you're the victim of check fraud, it's easy to request a reimbursement from EZShield™. Simply call us at 1-888-439-7453 to request a package. All it takes is one phone call; there's no need to call your bank.

A reimbursement request must be made within a reasonable timeframe not to exceed one year from the account holder's discovery of the fraud, receipt of a bank statement, or receipt of the returned instrument that reflects the fraud.

Once you've made a reimbursement request, you will be sent a package that will require you to provide certain information and to complete one or more forms, including the following:

   1. Reimbursement Request Form
   2. Limited Durable Power of Attorney Form
   3. Other forms to document your loss

EZShield™ will review the reimbursement package completed by you and evaluate your request for reimbursement and / or ask you for additional information. Once the request is processed, a reimbursement, in the form of a check, will be created within 3 days following receipt of the complete request package. EZShield™ will determine the extent to which it will pursue your rights, which you will assign to EZShield™, against your bank / financial institution.

You agree as part of the terms and conditions of the coverage to cooperate with EZShield™ in providing supplemental documentation for not only the initial claim but also to facilitate any effort by EZShield™ to recover against a bank or other responsible parties, including providing supplemental documentation or appearing for witness testimony at EZShield's™ request.

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What are the limitations of my EZShield™ coverage?
A: Limitations of EZShield™ coverage area as follows:

  • The maximum reimbursement is $25,000 for all checks, regardless of the number of checks for which the requests for reimbursement are presented and/or the number of requests made. Please note that if these checks are used to represent a business, the maximum reimbursement will be $15,000.
  • EZShield™ will not reimburse for fraud perpetrated by any of the account holders.
  • EZShield™ will not reimburse for fraud if an immediate family member of any of the account holders perpetrates it. Immediate family members shall include all spouses, parents, sons, daughters, or grandchildren of the account holder.
  • EZShield™ will not reimburse for fraud if any member of an account holder's household perpetrates it. Members of an account holder's household shall include any person living with the account holder on a full-time or a part-time basis, including all house guests, domestic employees and / or boarders living in the account holder's domicile.
  • EZShield™ will not reimburse for fraud if it is perpetrated by an authorized signer or an employee responsible for accounts payable, payroll, or any one else functioning within the accounting role. EZShield™ will not reimburse for fraud if any authorized signer or member of the accounting staff is deemed to not have exercised due care in the safeguarding of the checks resulting in contributory negligence.
  • To be reimbursed by EZShield™, the check must be payable to an entity located in the United States or to a person living in the United States.
  • To be reimbursed by EZShield™, the fraud must occur within the United States.

Scope of Recoverable Losses

Only losses listed above are recoverable from EZShield™. The amount recoverable by you shall include all actual amounts paid from your account and all bank / financial institution / retailer fees incurred due to the fraud, not to exceed the total reimbursement amounts described above.

General Rules, Terms, and Conditions

  • EZShield™ will utilize its database to maintain records of all check numbers for which you have purchased coverage.
  • You must purchase EZShield™ for all pack(s) of checks in a particular order. EZShield™ may only be purchased at the time the original checks are purchased.
  • EZShield™ Protection will expire upon the earlier of the time when you have used all checks in the box or two years.

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