The fraudulent use of checks to steal money or goods, occurring when someone alters, counterfeits, or forges a check to make unauthorized transactions or when someone writes a check knowing the account lacks sufficient funds.
For many of us, writing a check feels like a routine part of daily life... a simple way to pay a bill, reimburse a friend, or settle a debt. But behind that familiar “Pay to” line lies a sophisticated threat that can hit any bank customer, neighbor, or small‑business owner.
How to Protect Your Checks:
Use pens with indelible black ink so it is more difficult for a criminal to wash your checks.
Don't leave blank spaces in the payee or amount lines.
Don't write personal details, such as your Social Security number, credit card information, driver's license number or phone number on checks.
Use Digital Banking to access copies of your checks and ensure they are not alerted. Don't forget to review your bank activity and statements for errors.
If your bank provides an image of a paid check, review the back of the check to ensure the endorsement information is correct and matches the intended payee.
Report misplaced/lost checks as soon as possible
Do not use window envelopes to mail checks. It is easy to figure out that a check may be present. If you receive a check... Don't forget we offer mobile deposit!
Do not place your outgoing mail in your own mailbox, take it to your local Post Office instead.
Utilize electronic forms of payment for regular billers/vendors.
Check fraud is a modern threat that feels old‑fashioned, but its impact is fresh... and it can be stopped. By taking simple steps, you help keep our community safe and maintain the trust that makes local banking thrive. Share this article today!
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