ECU Fraud Talks: Check Fraud

Check fraud is on the rise, and it can impact anyone who writes or receives checks. As criminals continue to find new ways to steal and alter checks, it’s important to understand how these scams work and what you can do to protect yourself.

Common Types of Check Fraud

Fraudsters use several methods to steal money through checks, including:

• Check washing: Criminals steal checks and use chemicals to erase the ink, allowing them to rewrite the check for a higher amount or different payee 
• Mail theft: Checks placed in mailboxes are intercepted and altered or deposited 
• Forged checks: Scammers create counterfeit checks or forge signatures to access funds 
• Mobile deposit fraud: Stolen or altered checks are deposited through mobile banking apps before the fraud is detected 

Warning Signs to Watch For

Be alert if you notice:

• Missing checks from your mailbox or checkbook 
• Unexpected withdrawals or checks you don’t recognize on your account 
• Notifications of check deposits you didn’t make 
• Delays in mailed payments reaching their destination 

How to Protect Yourself

Taking a few simple steps can significantly reduce your risk:

• Use secure mail options: Drop checks inside a post office or secure mailbox rather than your home mailbox 
• Write checks carefully: Use permanent, fraud-resistant ink pens (designed to prevent check washing) and avoid leaving blank spaces
• Monitor your accounts: Review transactions regularly through ECU Online^® or the ECU Mobile App 
• Set up alerts: Enable account alerts to track withdrawals and deposits. Learn how to set up alerts in the ECU Mobile App! 
• Use a bill pay service: When possible, use secure electronic payment methods. Learn how to use ECU’s free Bill Pay service. 

What to Do If You’re a Victim

If you suspect check fraud:

• Contact your financial institution immediately to report the issue and secure your account 
• Place a stop payment on any missing or altered checks 
• Report the incident to the Federal Trade Commission at IdentityTheft.gov 
• File a report with the United States Postal Inspection Service if mail theft is involved 

Additional Resources

• Federal Trade Commission – Identity theft reporting and recovery tools 
• United States Postal Inspection Service – Report stolen mail and check fraud 
• Consumer Financial Protection Bureau – Consumer protection guidance and financial resources 

Check fraud can happen to anyone, but acting quickly can make a difference. Staying alert, monitoring your accounts, and using secure payment methods can help protect your money and your peace of mind.