At this time Qchex.com is non-operative and does NOT offer validation of the identity of internet users, financial information, bank accounts or available funds on accounts. The Qchex.com website merely provides general information on check creation methods and advice on best practices and safeguards to help users experience check transactions positively.

If you receive check data transmitted to you by email, we recommend that you carefully assess the risk of whether the printed check will likely clear. Accepting payment from an unknown party is particularly risky and you may want to perform additional validation before depositing a check and/or delivering goods or services prior to the check clearing your bank account.

Although validation attempts do not guarantee whether a check will clear, it may help you to better understand your risk in the transaction. The following steps can help you validate authenticity of checks you receive in general:

1. Ensure that the check displays verifiable address information and phone numbers from the payor and his/her financial institution.
2. Verify the financial institution by entering the institution's name and address as a search term in public search engines such as Google. Alternatively look up the financial institution in the yellow pages.
3. Contact the financial institution by telephone as displayed by search engines or yellow pages, confirm whether payor is known to the institution and authorized to draw funds from the account number printed on the bottom of the check.
4. Verify payor name, payor address and phone number by entering all data combined as a search term in public search engines.
5. Contact payor by using a phone number as listed by a public search engine or the yellow pages.

1. Request your bank to verify authenticity and available funds on the payor's account prior to crediting the check amount to your account.

If either of the above steps fails or delivers inconclusive results, it may not mean that a check will not clear. However, it indicates an increased risk that you may incur a loss, which you should assess carefully. In some cases it may be prudent to decline to accept the payment and decline to provide goods or services, if the risk of loss seems too high. Always remember: Not all checks clear.

For more information regarding consumer protection please visit: http://www.ftc.gov/bcp/index.shtml