Maine Community Bank Partners

Financial institutions around the country have been using a security device known as the Thumbprint Signature touch pad.  The touch pad is intended to deter counterfeit and stolen check fraud by obtaining a Thumbprint Signature (fingerprint) from non-customers (customers who do not have a depository relationship with the institution) when cashing both on-us and not-on-us checks.  The Thumbprint Signature can be used by law enforcement agencies in the investigation of fraud claims made by account holders, and financial institution’s usage of the program is a natural deterrent.  Participants will not retain the Thumbprint Signature in their files and the signature will be shared with law enforcement officials only in cases of suspected fraud.

Thumbprint Signature program has received widespread support from the FBI, financial institution regulatory agencies and many local law enforcement authorities.

Generic customer information materials are available from MBA in making customers and non-customers aware of an institution’s participation in the program.  It is recommended that participants use a Thumbprint Signature decal on all entrances to the financial institutions’ facilities.  Security professionals believe this early visibility of the program will act as a significant deterrent.  Camera-ready materials are available (additional cost may be incurred) for institutions wishing to customize the materials with their own names and logos.  Camera-ready art or generic materials may be purchased from ASI, 489 Congress Street, Portland, ME 04101-3430, telephone (207) 791-8400.

Touch Pad Description: The touch pad is a two-inch inkless fingerprinting device that leaves no residue on the finger.  Users simply rub their fingers together and the remaining ink disappears.  The touch paid is not the same as an inkpad and will not leave ink on a user’s finger or clothing. The presenter of the check presses the thumb of his or her right hand on the pad and places the impression of a finger on the face of the check between the memo and signature lines.  If the presenter is disabled and cannot use his or her right thumb, an impression of the left thumb is placed on the check and noted “left hand” on the check next to the thumbprint.  Should both thumbs be disabled, an impression of the right index finger is taken and “right index finger” is noted next to the print.  The Thumbprint Signature should not be used in place of customary I.D., but should be recorded in addition to customary I.D..