Check Fraud Advisory & Security Tips
Check Fraud on the Rise – Protect Yourself!
We want to alert our customers and community that incidents of check fraud are increasing across the country. Criminals are using stolen or altered checks to access funds and commit financial fraud. It's important to stay vigilant and take steps to protect your accounts.
Common Types of Check Fraud
- Altered Checks: Fraudsters change the payee name or check amount.
- Counterfeit Checks: Fake checks that appear legitimate are used to steal money.
- Check Washing: Legitimate checks are stolen, erased using chemicals, and rewritten.
- Stolen Checks: Thieves steal checks from mailboxes, vehicles, or homes.
Security Tips to Prevent Check Fraud
1. Use Secure Payment Methods
If appropriate, use electronic payments instead of mailing checks. Online bill pay, wire transfers, or P2P platforms (Zelle®, Venmo®, etc.) might be safer options in certain circumstances.
2. Protect Your Checks
- Keep blank checks in a locked, secure place.
- Avoid mailing checks from unlocked residential mailboxes. Use a USPS blue collection box or drop them inside the post office.
- See additional tips from the USPS by clicking HERE.
3. Monitor Your Accounts Frequently
Check your bank and credit accounts often for unauthorized activity. Report suspicious transactions immediately.
4. Use Pens with Permanent Ink
If you must write a check, use a black gel pen with permanent ink to reduce the risk of check washing.
5. Sign Up for Account Alerts
Enable email or text alerts for withdrawals, deposits, or low balances so you're quickly notified of unusual activity.
6. Shred Documents with Personal Information
Never throw away checks or financial papers without shredding them first.
If You Suspect Fraud
If you believe you've been a victim of check fraud, please contact your local branch immediately. We will assist you in securing your account and taking appropriate next steps.
Stay Informed. Stay Secure.
We are committed to protecting your financial well-being. Check back regularly for updates on fraud prevention and security best practices.