1. Crime Prevention Part I CHECKS & CREDIT CARDS
TCLEOSE Course #2101 Crime Prevention Part I Curriculum is the intellectual property of TxSSC-ICJS (2010)

2. LEARNING OBJECTIVES
Student will be able to identify why business people feel they must accept checks and credit cards.
Student will be able to identify why business people are reluctant to have strict policies and enforcement when accepting checks and credit
Student will be able to identify the main cause of loss from fraudulent checks and credit.
Student will be able to identify acceptable and unacceptable types of identification for check and credit card.
TCLEOSE Course #2101 Crime Prevention Part I Curriculum is the intellectual property of CSCS-ICJS (2009)

3. LEARNING OBJECTIVES
Student will be able to identify correct procedures for establishing a check cashing and credit card acceptance policy
Students will be able to list the proper procedures for cashing checks and accepting credit cards.
Students will be able to explain the magnetic numbers on the check.
Student will be able to list the items on a check or credit card that can be used to determine the authenticity of a check or credit card.

4. CHECKS & CREDIT CARDS
Most businesses cash checks for convenience to customers to encourage new or continued patronage. Laxity on the part of business people, combined with their desire to increase sales, makes fraudulent checks and fraudulent use of credit cards (Theft of Service) make them a significant problem.

5. CHECKS & CREDIT CARDS
For every careful merchant who refuses to accept a check there is another down the street who will accept it.
The criminal need only find his mark.
As you do your commercial surveys you will see for yourself that many businesses do not have an established check cashing procedure policy

6. THIS IS NOT A GOOD
WAY TO STIMULATE THE ECONOMY!

7. CHECKS & CREDIT CARDS Lose business Customer convenience
Why do business people feel that they have to accept C+CC?
Lose business
Customer convenience
Competition does it
Encourages impulse buying
Reduces cash handling.

9. Checks and Credit Cards
Why are many business people reluctant to have strict policies and enforcement when accepting checks and credit cards?
Alienate customers
Lose business
Time training employees
Time and expense of prosecution.

10. Checks and Credit Cards
List the main causes of loss from fraudulent checks and credit cards.
Laxity
Failure to thoroughly examine check
Failure to electronically verify check
Failure to require proper ID
Fraudulent ID

11. Checks and Credit Cards
Acceptable forms of ID
Valid driver’s license or DPS ID with picture
Military ID with picture
Passport
Primary
Secondary.
Most valid form of identification for check
cashing is VALID DRIVERS LICENSE!

12. Checks and Credit Cards

13. Checks and Credit Cards
Sound policies and procedures for check cashing and credit card use.
Employee training
Strict enforcement of policy
Post policy
Electronic verification
Don’t return card and DL until verified.
Sign check in front of clerk
Do not accept out-of-state or to a 3rd party check starting with low number, made out to cash

14. Checks and Credit Cards
Sound policies and procedures for check cashing and credit card use.
Limit amount of purchase
Management approval for over amount
Thoroughly examine check and ID
Compare signatures, and photo, age, etc
Compare written and numerical amount
Do not accept pre or post dated.

15. Checks and Credit Cards
The different characteristics of a check, including the information contained on the front of a check.
Complete legible, accurate, no write-over's
Look for signs of tampering
Name and address printed
American Banker’s Association numbers
Bank name and location
All printing should be quality
Payee signature.

16. Account Owners
Name & Address
American Banker’s
Association numbers
Bank’s
Name

17. Checks and Credit Cards
The different characteristics of a check, including the information contained on the front of a check.
Magnetic Ink Character Recognition numbers, dull finish, slightly raised
MICR numbers always begin 5+5/8” from right edge
At least 1, but as many as 3 perforated edges.

18. Checks and Credit Cards
What info should clerk record on front of check?
Less than 60 seconds
Record on front of check:
DL#
DOB
Supporting ID
Phone
Employee ID.

19. DEFINE & PROCESS
Identify why business people feel they must accept checks and credit cards.
Identify why business people are reluctant to have strict policies and enforcement when accepting checks and credit
Identify the main cause of loss from fraudulent checks and credit.
Identify acceptable and unacceptable types of identification for check and credit card.
TCLEOSE Course #2101 Crime Prevention Part I Curriculum is the intellectual property of TxSSC-ICJS (2010)

20. DEFINE & PROCESS
Identify correct procedures for establishing a check cashing and credit card acceptance policy
List the proper procedures for cashing checks and accepting credit cards.
Explain the magnetic numbers on the check.
List the items on a check or credit card that can be used to determine the authenticity of a check or credit card
TCLEOSE Course #2101 Crime Prevention Part I Curriculum is the intellectual property of TxSSC-ICJS (2010)

21. QUESTIONS
TAKE A BREAK

22. SOURCES
Handbook of Loss Prevention and Crime Prevention, Fourth Edition, Lawrence J. Fennelly.
TCLEOSE Course #2101 Crime Prevention Part I Curriculum is the intellectual property of TxSSC-ICJS (2010)

23. RESOURCES
TCLEOSE Course #2101 Crime Prevention Part I Curriculum is the intellectual property of TxSSC-ICJS (2010)

24. Institute for Criminal Justice Studies (ICJS)
Presenter Contact Information
Institute for Criminal Justice Studies (ICJS)
350 N. Guadalupe, Suite 140, PMB 164
San Marcos, Texas
TCLEOSE Course #2101 Crime Prevention Part I Curriculum is the intellectual property of TxSSC-ICJS (2010)