CRC Dishonored Instrument Verification System (DIVS) is an online resource that assists organizations to understand their customer's cheque issuance and management behavior.

It provides information on individuals or companies and the cheques issued against unfunded bank accounts. 

The CRC DIVS portal gives individuals and organizations a better understanding of a potential customer's character regarding cheque issuance. This helps organizations reduce the risk of accepting cheques on unfunded accounts as post-payment for goods and services.

This portal reduces turnaround time for decision-making and is an additional tool for risk assessment and compliance with the directive of the Central Bank of Nigeria.

A CRC DIVS report includes the following:

1. Issuer’s information (Name, Telephone number, Email, Date of Birth, etc)
2. Issuer’s bank details (Bank, Account Number, etc)
3. Details of the cheque(s) (Cheque number, Amount, etc)
4. Reason and frequency of return