Despite a 25% decline in check usage, check fraud reports have nearly doubled since 2021. Criminals are employing increasingly sophisticated methods to steal financial information and access funds. To help safeguard your money, consider these essential check safety practices:

Secure Your Mail

Criminals often target mailboxes to intercept checks. To prevent theft:
  • Avoid leaving mail in your mailbox overnight or for extended periods
  • Use USPS locations to send checks rather than your personal mailbox
  • Consider pausing mail delivery when traveling

Be Aware of Check Washing

"Check washing" involves criminals using chemicals to erase and rewrite check details. To combat this:
  • Use permanent gel pens when writing checks
  • Fill out all blank spaces on checks to prevent alterations

Protect Your Account Information

Criminals can create counterfeit checks using stolen account and routing numbers. To minimize risk:
  • Limit the personal information you include on checks
  • Regularly monitor your account activity online or through mobile banking apps

Additional Safety Measures

  1. Review paid checks: Verify endorsements and amounts to guard against fraud.
  2. Consider digital alternatives: Use online bill pay or banking apps for secure transactions.
  3. Follow up with payees: Confirm receipt and deposit of sent checks.
Implementing these practices can significantly reduce your vulnerability to check fraud and better protect your finances.