Background Pilot programs in Arizona and Nevada were found to be helpful in decreasing check fraud. Early reports indicate decreases in check fraud of up to 75 percent since implementation of these pilot programs. In addition, less than 1 percent of presenters refused to provide the requested thumbprint. Neither Arizona nor Nevada experienced public criticism of their programs. Since that time, more than 35 state bankers associations have endorsed the program, or one similar to it, and are actively promoting the Thumbprint Signature Program.
Users simply rub their fingers together and any remaining ink disappears.
The touch pad is not the same as an ink pad and will not leave ink on a user's thumb or clothing. The presenter of the check presses the thumb of his or her right hand on the pad and places the impression of the thumb on the face of the check between the memo and signature lines. This includes employees of commercial or business account customers who present payroll checks drawn on the participating institution. To comply with all applicable federal laws and regulations, a Thumbprint Signature should be obtained from every non-customer every time a check is presented for payment. Distinctions should not be based on appearance or suspicious vs. non-suspicious circumstances.