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A copy of all payment instruments accepted and endorsed by the licensee to include the face and reverse (front and back) of the payment instrument. Copies shall be made after each payment instrument has been endorsed with the legal name of the licensee. Endorsements on all payment instruments accepted by the check casher shall be made at the time of acceptance.
(b) The fee charged to cash the payment instrument;
(c) The verification fee, if any, imposed on the customer.
(3) The following additional information shall be maintained:
(a) Records relating to all returned payment instruments that shall include the following: 
1. A copy, face and reverse (front and back), of all returned payment instruments; 
2. The date of deposit by the licensee;
3. The date the payment instrument was returned to the licensee;
4. Documentation of all fees and charges paid by the customer in the collection of the returned item; and
5. The date on which collection is made from the customer or charged-off by the licensee. 
(b) A daily summary of the business activities including the following documents:
1. Bank deposit receipts;
2. Copies of checks or withdrawal receipts evidencing withdrawal of funds from accounts maintained by the licensee; and
3. A daily cash reconciliation summarizing each day’s activities and reconciling cash on hand at the close of business. The daily cash reconciliation shall be sufficiently detailed to provide an audit trail of each day’s business activity. Where the licensee provides multiple business services through the same legal entity the daily cash reconciliation shall be maintained in such manner as to separate business activities such as check cashing.

Florida Department of Financial Services – Division of Workers’ Compensation Compliance Proof of Coverage Query Webpage Search 

In addition to the records required in subsections (1) and (2) for payment instruments $1,000.00 or more, the check casher shall create and maintain an electronic log of payment instruments accepted which includes, at a minimum, the following information:


1. Transaction date;
2. Payor name;
3. Payee name;
4. Conductor name, if other than the payee;
5. Amount of payment instrument;
6. Amount of currency provided;
7. Type of payment instrument;
a. Personal check;
b. Payroll check;
c. Government check;
d. Corporate check;
e. Third party check; or
f. Other payment instrument;
8. Fee charged for the cashing of the payment instrument;
9. Branch/Location where instrument was accepted;
10. Identification type presented by conductor; and
11. Identification number presented by conductor.
(b) Electronic logs shall be maintained in an electronic format that is readily retrievable and capable of being exported to most widely available software applications including Microsoft EXCEL.

100% MSB, FinCEN, BSA Compliant

California CheckCashing Compliance          Florida Check Cashing Compliance

Special Compliance Modules!

New! Free Government Check Verification   ICAN Government Check Verification  FREE Verification ICANCash Checks!

Free Government Check Verification!

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The ICANCash Systems offer secure check cashing using Internet provided, real-time account and check casher information and Biometrics for positive identification, in addition to providing a 100% check guarantee program & Check21 Electronic Deposit of Checks.

* A few states  which businesses are not required to register or obtain a license; it is possible that a business may not be required to obtain a registration or license with its state and yet still fall under the federal definition of an MSB. If your business cashes checks and is not required to register or obtain a license at the state level, do not presume that it does not fall within the definition of MSB due to check cashing at the federal level.

* If your business cashes one or more checks totaling an amount over $1,000 per person, per day, then it meets the MSB definition of check casher found at 31 CFR 103.11 (uu)(2). As a check casher, that business is required to register with FinCEN pursuant to 31 CFR 103.41, and to comply with applicable BSA reporting and recordkeeping requirements, and the requirement to implement an anti-money laundering program.

Each year, Americans spend at least $13 billion on more than 340 million alternative financial services transactions.  

* Center for Financial Services Innovation

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        Stumble It!

Managing your Check Cashing Organization has never been easier or more effective. ICANCash-Checks minimizes risk and increases profits and gives you the tools you need to manage your business. ICANCash-Checks is the first "distributed" (Internet-based) software product developed for financial service providers and check cashing organizations. 

  We Offer 30 Day Money Back Performance Warranty   

ICANCash Checks

 Dimension B110                                     Dell Personal Laser Printer 1710n

Dell PC with LCD Monitor            Fingerprint Scanner              Digital Camera            ID Scanner/Check Imager            Laser Printer

Eliminate risk and worry with our payroll check guarantee feature. ICANCash-Checks gives you the ability to guarantee payroll and personal checks. If a guaranteed check ever bounces, your funds will be deposited in your account within 5-7 days of receipt. ICANCash-Checks is the complete business management solution. ICANCash-Checks provides the platform to manage all your transactions, customers, payers and employees. Whether you own a single store or have hundreds of locations ICANCash-Checks is designed to handle them all and give you the information you need to manage your business on a real-time basis. And because ICANCash-Checks is Internet-based, you can access your business information from any computer anywhere in the world that has internet access.


              Up-Grade Your existing System!      

                  Up-Grade Your existing System Software!

                  Up-Grade Your existing Hardware!

                   Software Only!      

      ICAN 100% Check Guarantee

Complete ICANCash-Checks Check Cashing Business Management Systems

At the heart of each System is the exclusive ICANCash Internet based software module utilizing a Microsoft’s SQL Sequel Platform. The software’s primary function is to provide you with ‘real-time’ information (enabling you to make informed and wise check cashing decisions), reduces the risks associated with check cashing, protects your assets and provides you with the extensive record keeping now required by the state and federal governments!  All transactions and data are 128 bit encrypted and stored safely in an off-site location protecting you against “identity theft” issues that could arise with competitive systems.

The Plus System:            The most complete, robust and technologically advanced product of its kind on the market today. This is our most popular option.

The Standard System:     Allows you to choose the components that meet your need and budget.

The Basic System:           The best no hardware component, no frills System available.

          The Conversion System:  Allows you to convert and/or upgrade your current system to one that provides the features and benefits that you want in a Check Cashing Business Management System.

Features

 Plus

 Standard

 Basic

Conversion

The ICANCash Business Management Software Package

Included

$2,495

$695.00

 

Software exceeding federal and state record keeping requirements

Included

Included

Included

 

Free lifetime software upgrades - no yearly "renewal" fees

Included

Included

Included

 

Lifetime warranty on our exclusive Internet based software

Included

Included

Included

 

The encryption and storage of your files at a safe off-site location

Included

Included

Included

 

Free unlimited tech support with 1-800 number

Included

Included

Included

Call

Free access to the National Check Cashers Database (NCCD)

Included

Included

Included

 

Electronic account status verification option

Included

Included

Included

 

Electronic check casher ID verification option

Included

Included

Included

For

100% electronic check guarantee option

Included

Included

Included

 

30 day money back performance warrantee

Included

Included

Included

 

Lifetime maintenance warranty on supplied hardware components

Included

Included

N/A

Pricing

Free outside vinyl banner, inside posters and stickers

Included

N/A

N/A

 

Customized Anti-Money Laundering (AML) Compliance Program

Included

N/A

N/A

 

Norton Anti-virus software subscription

Included

N/A

N/A

@

Battery back-up & power surge protection module

Included

N/A

N/A

 

Dell premium computer, 17" flat panel monitor, keyboard & mouse

Included

$1.095.00

N/A

 

Combination ID scanner and check imager - Check 21 ready

Included

$895.00

N/A

866-386-3499

Biometric fingerprint sensor - for positive identification

Included

$465.00

N/A

 

PC camera - captures image of check casher

Included

$270.00

N/A

 

Premium laser printer - for receipts and reports

Included

$245.00

N/A

 

The EmpaSys PAY ALL BILLS HERE module - electronic bill pay

Included

Included

N/A

 

Discount airline ticketing and reservation module

Included

Included

N/A

 

Shipping and handling

Included

Included

Included

 

Set-up assistance

Included

Included

Included

 

Training of management and staff

Included

Included

Included

 

Bank quality (ATM type) cash and coin dispensers

Optional

Optional

Optional

 

 

$5,495.00

 

$695.00

 

 

 

 

 

 

Monthly Access and Support Fee

$99.95

$149.95

$149.95

 

Payment options:

  • Check or credit card.

  • Lease-to-Own Program with thirty-six (36) monthly payments of $224 plus tax.

  • In-House Payment Program – no credit check required.

ICAN Free Shipping  

  We will beat any comparable advertised offer!*

We offer more at the Best PRICE… and Value For Your Money.  We are the fastest growing Professional Check Cashing offering.

Check Cashing and Pay Day Loans are a $55 Billion Dollar Industry!
Learn How You Can Get Started...

According to the U.S. Treasury Department, the number of check-cashing stores has doubled since 1986. That number is expected to continue growing, with some industry estimates predicting as much as a 600 percent increase during the next decade.  SelfService.org©2007 NetWorld Alliance LLC. All rights reserved.

ICANCash Checks Brochure.swf                    ICANCash Checks Brochure.pdf

ICANCash-Checks PP Presentation               ICANCash-Checks PP.pdf

                                         Download PowerPoint Viewer                             Adobe Acrobat Reader

How-to start a Check Cashing Store Part 1

Biometric System

A system for authorizing a check cashing transaction between a consumer and a merchant using identity verification based on biometric information. A system comprises a central biometric information database containing biometric and personal identity-verifying data registered therein by a consumer and containing merchant identity-verifying data registered therein by a merchant. The system further comprises a merchant local device having a biometric reader and linked via a network to the central biometric information database. Using the biometric reader, a consumer desiring to cash a check presents biometric data to the central biometric information database via the biometric reader. The central biometric information database provides an electronic comparison of the present biometric data with the biometric data registered by the consumer. If the presented data and the registered data match, an approval signal is transmitted to the merchant local device.

 

ICANCash-Checks offers an affordable system for every check casher regardless of the size of your operation.

ICANCash Checks is the most advanced System ever developed for check cashing organizations. ICANCash Checks is Internet-based, captures and saves all transactions in real-time. ICANCash Checks uses advanced biometric fingerprint recognition technology, digital check imaging, and photo capture. Because all procedures are automated ICANCash Checks is lightning fast and uses a minimum of keystrokes.

 System Features  

100% MSB, FinCEN, BSA Compliant 

  • Record keeping exceeds all revised State, FinCEN (Financial Crimes Enforcement Network) and BSA (Bank Secrecy Act) requirements.

  • Internet based for real-time information on ID of check casher and account.

  • Instant access to all customer, payer, and employer histories.

  • Automatic real-time encrypted data and file backups at a secure off-site location.

  • Numerous management reports available for any date range, register or location.

  • All transactions completed on one receipt.

Check Cashing Features  

The ability to process checks utilizing one of our many options:

  1. For your ‘regular’ or ‘known’ customers, check is entered and processed, providing you with the required record keeping requirements and allowing you to earn full fee.

  2. For new customers, you have the option to electronically perform the following ID verifications with a click of your mouse:

  • Verify SSN and name match

  • Verifies name and address match

  • Verifies phone and name match  

  • Screens name against OFAC list

  • Complies with Patriot Act

  • Verify SSN and name match

  1. For new payers or check makers, you have the option to verify account status via the Star Chek Network of 221 million accounts, including Bank of America and Washington Mutual.  Information provided will be:

  • Validated – account is open and funds are available. 

  • Negative Information on This Account – the account is closed, frozen or has recent NSF’s. 

  • Not Enough Information – this particular account is not among the 221 million accounts in the Star Chek Network.

 

  • The optional 100% Guarantee provides piece of mind when accepting checks that are causing you concerns. With a click of your mouse you receive:  

  • Immediate response with approval code or decline

  • Approval code automatically recorded in system

  •  Payment of returned check, 100% of face of check, will be deposited into your account within 30 days after check is received at provider

 

  • Six Customizable Check Fee Schedules for Each Location 

  • Payroll

  • Personal

  • Insurance  

  • IRS Tax Refund

  • Government

  • Other

  • Complete customer records including photo of check casher and check casher, including image of both sides of the check

  • Complete payer records including image of previous check

Electronic Bill Pay Module*   

                  

     *Free with ICANCash  Plus or Standard Systems.

·         Bill Payment:

o        Accept electronic payments for all bills

o        First payment records account numbers permanently

o        Quick and easy to learn and use

o        Great revenue producer, with substantial profit per transaction

o        Builds customer loyalty

o        Builds additional foot traffic into your location

  • International Money Transfer:

o       Send money to Mexico , Central & South America and the Caribbean

o       8,000 money pick-up locations

o       Substantial per transaction profit

  • Loading of Debit Cards

o       Provides an additional revenue source

Electronic Check Deposit

Check21 Electronic Check Deposits

 

  • Optional Check 21 Electronic Check Depositing feature allows you to electronically deposit all your checks with a click of a mouse, no need to go to your Bank for deposits.

Payday/ Installment/ Title Loans Module*

  • Optional Payday Loan / Installment Loan / Title Loan module feature package that is specifically engineered for Windows 2000 and Windows XP operating systems. It also can operate on Windows 95, 98 & ME. Cash Advance Pro extends short term loans to customers based upon a predefined interest rate established in a table. Those in the quick cash / fast cash business of making short term payday loans and longer term installment loans will appreciate its ability to track customers and the loans given to them. Cash Advance Pro will print contracts, payment receipts, checks, delinquency reports, transaction listings, daily operating summaries, and much more. The cost? Only $1,160 per system with 30 day support included. Optional support is available for $65 per month, which includes unlimited technical support calls and free updates to the program.

Call for Special Options Pricing. *

 

* Cash and Coin Dispensers'

PowerPoint Presentation    Download PowerPoint Viewer  Download Brochure  Adobe Acrobat Reader

  

 



ICANCash-Checks Request for Information:


 

Your name :

 

Street address:

 

City:

 

State:

 

Zip:

 

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ICQ:

 

Fax:

 

Are you currently an agent for any banking or billing entity?:

 

yes

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If yes, please name the entity:

Website (if any)

 


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Additional comments:

 

 

 

 

State Licensing Links   CALL


Banking On The 'Unbanked' 
Hot Trend: According to industry sources, 56 million people in the United States do not have traditional bank accounts or do not rely on traditional financial services relationships. But the "Unbanked" are not Untouchables, and are expected to propel a $1 billion market. "This is definitely the most dynamic segment of financial services," says Find/SVP banking consultant Elizabeth Rowe. Forbes.com


     

773 290-6875    866 386-3499   fax 773 337-0400

 

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