Check Guarantee Program

Certegy Check an FIS Retail Payments Solutions Company

FIS provides a single-source, end-to-end payments solution that addresses the current and future business needs of retailers. FIS connects a retailer’s POS, mail order and telephone order, and Web site services with the most comprehensive payment processing, fraud management and business process outsourcing resources available.


FIS’ electronic check conversion service, ElecCheck®, streamlines the check approval and settlement process by removing the middleman and opportunities for error. FIS authorizes the transaction, transfers funds electronically from the point-of-sale to an Automated Clearing House (ACH) and forwards it to the bank for processing and settlement. Process checks like credit cards at a much lower cost.
  • Exclusive NRLA Electronic Check discount rate of .77% for Image and .79% for Imageless
  • Image or imageless transaction fee of $.20 for ACH processing
  • No returned check fee
  • No reconciliation required
  • Settlement generally in 24 to 48 hours
  • $25,000 purchase limit
  • Monthly minimum of $25

Enhanced Warranty

Enhanced Warranty™ gives you peace of mind when accepting checks from your customers.
  • Exclusive NRLA Enhanced Warranty discount rate of .65% which includes full stop payment coverage for fraud, forgery, stolen and NSF checks
  • $25.00 monthly minimum
  • No set-up fee or installation charge
  • No transaction fee or check minimum
  • No statement fee if using ACH billing, otherwise a $25.00 monthly statement fee will be applied
  • Voice surcharge of $2.50 for customer-initiated calls
  • Easy claim submission, up to 60 days from the date of the check
  • Fast claim reimbursement, within 10 business days from receipt by FIS
  • Flexible authorization limits for U.S. or Canadian checks, up to $30,000 in U.S. funds


SettleSmart™ added to FIS’ Enhanced Warranty Services consolidates returned checks into an FIS funded bank account resulting in reduced check handling fees, improved cash flow and the elimination of claims processing. Because all returned items are forwarded to a centralized bank managed by FIS, no additional reconciliation is required after checks are deposited.
  • Exclusive NRLA SettleSmart discount rate of .67%
  • Elimination of Returned Check Fees from your bank
  • No need to send in claims

For more information, email