Fallen customer plaid

What kind of protection, we must consider, accounts for customers who have opened business started with computer-generated checks? And check also bears the signature entered by a computer printed? We do not have a facsimile of the agreement for that account. Can you tell me if we can grant additional obligations with respect to its controls in this way? What should we do to protect ourselves?
First, you have to deal facsimile of the signature on the account ASAP. Customers must understand and accept that your institution is not able to understand the difference between legitimate check printing and see who fraudulently printed by the after-hours cleaning crew. The purpose of the facsimile signature agreement to the risks of the use of facsimile signatures to the customer is found to shift.
Second, to be a wise idea to spell out customer, preferably in writing (keep a copy for your records), the potential dangers with this system. Your letter to customers stress the need for physical access to computer, remote access to the computer (eg via modem) to control and verify the access control to storage and computer programs to generate the checks. There should be a password protection on the computer and, if possible, the program itself. No one should have access to it other than an authorized person. If you offer online banking, customers should be asked to write the check post every day to order items at the earliest possible place to be fraud. The use of positive payment system will also be recommended. This allows customers to send a list of checks, together with a number. Your institution will then list in determining the pay for items shown.
Finally, ignore, do not require notice to customers of the need for proper ink used to educate the MICR line on checks pressure. If the client use magnetic ink, the test will require more work to be processed.
The American Bankers Association recently answering this question, give a warning from the Bank Fraud Committee improper desktop publishing controls. They warned that some software manufacturers questionable check-issue causes problems for consumers and businesses, not by recommending the appropriate ink is required to process the checks in high-speed devices. special magnetic ink allows the machine to process checks at more than 60 miles per hour. Ink is not true for all writers slow down system checks and can lead to private and business customers become ill, and significant delays in billing and accounting. If this magnetic ink is not used, the bank had to pull the item system, check the check fraud possible, and manually change them to be processed accordingly.
Many retailers now magnetic ink as part of their registration is checked. Consumer Protection presented a check that no magnetic ink, a situation where dealers have the validity of their control issues, either because they contain colors that are not suitable. To avoid costly and embarrassing delays for consumers, businesses and their customers, deposit account fraud Committee of the American Bankers Association and the American Standards Committee X9 offers the following tips when buying a desktop publishing software for check printing:

    * The check printing software, you do not need magnetic ink says caution;
    * Consult with your bank before you make changes to your check design;
    * Ask your bank for check printing needs;
    * Check references from any company you have to do with desktop publishing;
    * Ask your bank for the recommendation of software companies must check paper and magnetic ink and toner
    * Use the check box American national standard developed by ASC X9. See www.X9.org for more information. Accredited Standards Committee X9-Financial Services is the industry-wide forum only with technical issues, find solutions, and codify them as national standards and regulations.