Greetings! You have entered the world of Check Guarantee services. Simply put, CrossCheck
is the innovation leader in Check Guarantee and information services nationwide. Our
objective at CrossCheck is to increase profitability and reduce risk for our valued customers.


Solutions Tailored to Guarantee Sales

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"...The service is cost effective
and when claims are sent in, I
am assured they will be paid.
Whenever a competitor calls
me and asks if I have a
returned check problem, the
answer is always no, because I
have CrossCheck."

-Penske Motor Group


The Financial Services Industry has exploded with a
multitude of new services, service providers and
electronic delivery capabilities. The development of new
services (including delivery capabilities and
consolidation within the industry of network providers),
banks and check service providers, has created
phenomenal opportunities for an organization that
operates efficiently.

CrossCheck, Inc. the nation's largest independent
information and check authorization service company,
was founded in October of 1983 and has rapidly grown
into the 4th ranked position in the industry. In 1996 alone,

CrossCheck grew 38%!

CrossCheck was inspired by the seemingly endless
number of check service providers who weren’t providing
quality service. These companies gave little thought to
anything other than selling at prices below the three
major check service companies.

CrossCheck invests in people, finding and attracting the
best professionals in each of the areas of discipline
required for our success. We also invest in hardware
and software systems unparalleled in the industry. Our
newest development provides the fastest authorizations
possible. Our entire authorization system and delivery
capabilities are second to none.

We are The Premium People Company.

CrossCheck has emerged as a profitable growth
company with a solid foundation and sound financial
backing. Our decision to pursue long-term objectives as
opposed to short-term profits provides fantastic
opportunities for the future of CrossCheck.

We believe that in the future there will be substantially
fewer, but generally larger, financial service companies
offering a broad range of services or filling specific
market segments. The casualty rate for these
companies will be high. Survivors will be those
companies who understand the changes in the
marketplace, especially the customers’ needs. These
companies will provide appropriate products and
services to well-defined target markets, which are
marketed in an economical fashion in both major and secondary markets.

We believe that throughout these changes, CrossCheck
will not only survive, but flourish and remain unique. We
will excel in the following areas:

CrossCheck is funded without bank debt
and without franchise or geographic restrictions.

We have established a national capability
without the pressure of the public stock
market, quarterly earnings and unrealistic
short term expectations.

We employ the talent responsible for the
majority of the profitable growth in the industry.

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Premium Approval


Unlimited Approval

How can we possibly get any better? In our quest to
provide you with the best check approval service, we
are now offering Premium Approval because a
higher percentage of approvals means increased
sales for you. Although CrossCheck is already known
for providing the most approvals, we have gone the
extra mile to bring you this new Premium Feature.

CrossCheck will accept an even greater risk to
approve checks so that our merchants increase their
sales.

 

Who will benefit most from Premium Authorization?

 

Merchants who need to maximize every potential
sales opportunity and profit

from the most liberal approvals.

 

CrossCheck guarantees 50% fewer declines than our
competition provides, or we will pay the set up fee
for our merchants to return to their previous Check
Guarantee Company.*

 

*(Up to $95 within 30 days from signing up and
confirmation through the Welcome Aboard Letter)

 

Interest/Bank Fee Premium

 

Our customers will no longer sustain a financial loss
when they pay a bank's insufficient fund fee — they
will actually be making a profit!



Having to pay a bank fee because a customer wrote
a bad check is never a pleasant experience,
especially since bank fees are continuing to rise. It
just doesn’t seem fair to have to pay a fee for
someone else’s failure to have sufficient funds. Even
more frustrating is the fact that if you don’t collect on
that bad check, you have lost inventory too.



There is no other Check Guarantee Company that
offers such a feature. Clearly, you can see how
CrossCheck has established itself as the premier
check approval company in the industry!

 

 

No Fault Error Premium

 

If your clerk happens to make a mistake by:

Forgetting to get a check approved on the day
it was written
Not mailing the check to us in the specified time limit
Not comparing the check writer’s signature to the I.D.
Receiving an approval number but forgetting to write it on the check
Accepting a check with no phone number on the check
Forgetting to get a check approved or listing a
check on the Floor Plan sheet that exceeds the floor plan limit




We will cover the check anyway!



When a clerk makes a costly but innocent mistake it
can cost your business thousands of dollars. That is
why CrossCheck, Inc. developed a spectacular
Premium Feature — No Fault. With this feature you
are protected when mistakes occur at the point of
sale.



No Fault is essential for busy
establishments–especially those with high employee
turnover or lots of employees.

 

 

Multiple Check


30 Days Same as Cash

A customer may need additional time in order to
acquire funds to obtain the desired purchase.
Multiple Check allows that time by accepting 2 to 4
checks from a single check writer to be deposited
over a 30 day period.



Multiple Check is a wonderful selling tool that may be
just what you need to make one more sale. You’ll
have an attractive solution to offer your customers
when available funds becomes an issue.



Multiple Check is easy. Simply call our voice
operators for voice approval on all checks.



We want to help make every sale possible—that’s
why we created a feature that will give you the
capacity to offer flexible payment terms to your
customers. How many times have you heard, "I
cannot afford to buy right now"?



When a customer is contemplating whether he can
afford to buy that day or acknowledges that he would
be in a better financial position to make the purchase
or down payment in a couple of weeks—that’s when
you can offer him Multiple Check.

 

 

Pre-Authorization

 

CrossCheck’s Pre-Authorization Premium allows you
to offer goods or services even before final payment
is determined or settled. Upon the close of the
transaction, a customer can make final payment with a
check, cash or a credit card. We will even provide
skip coverage for an incremental fee.




Here’s how it benefits you:





Reach the 50 percent of adults without a credit
card, therefore increasing your sales potential.


Safely open a transaction without receiving a
check: You receive pre-authorization from us in
order to secure the sale.


You are guaranteed an approval at the close of
the transaction.



Capture business from out-of-state customers.


Stop Payment

 

Stop payments take place because usually there is a
disagreement regarding service, product or price.
CrossCheck will cover stop payments, regardless of
the reason.



Many of our competitors do not offer this type of stop
payment coverage. The bottom line—we cover all
stop payments!

 

 

 

Partial Payments


Combined Payments

CrossCheck offers another way to help increase your
sales! Sometimes a purchase cannot be paid for in
full with cash, check or credit card. Partial Payment
gives you the ability to offer "combination" payments
of:

Check and Cash
Check and Credit Card
Check and Debit Card




Allowing payment options may just be the edge you
need to increase sales and customer satisfaction. No
other Check Guarantee company offers such a
versatile check acceptance feature.

COD

 

Prior to receiving the actual check in hand, our
C.O.D. Premium Feature approves the purchase
amount BEFORE the merchandise is shipped from
your store.

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"...We have used CrossCheck
to guarantee customer checks
since 1989. Previously we had
tried other services, including
TeleCheck and Equifax...Over
the years we've concluded our
best alternative remains to
keep using CrossCheck."

-Midas Muffler



"...I wanted to take a moment
to let you know how impressed
I am with the flexibility of the
program that we set up. The
entire staff is courteous and
focused on custom
service...the program has been
a success."

-84 Lumber

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