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7 Ways to Protect Yourself from Check Fraud

Safeguarding your finances is more important than ever. While the use of checks has dropped by 25%, check fraud has soared, nearly doubling since 2021. Fraudsters are becoming increasingly clever, devising new methods to access your hard-earned money.
Older gentleman at home office writing a check

Stay Informed: Understand How Fraudsters Operate

Fraudsters often target mailboxes, intercepting checks to alter and steal your money. One way to reduce this risk is by not leaving your mail unattended for extended periods. If you’re away, consider pausing mail delivery to ensure peace of mind. When mailing checks, use a USPS location rather than your personal mailbox to ensure safe delivery.

Another common tactic is "check washing," where criminals use chemicals to erase and alter the details on your checks, diverting the funds into their own accounts. Additionally, if someone gains access to your account and routing numbers, they can use modern technology to create counterfeit checks, potentially draining your accounts.

Every check you write contains sensitive information like your name, contact details, and bank account number. If digital banking isn’t an option for you, follow these tips to protect yourself:

  1. Use permanent gel pens: Just as you’d secure your seatbelt, use permanent ink when writing checks. This simple step helps prevent alteration.
  2. Fill in all blank spaces: Make sure to complete every part of the check to prevent fraudsters from filling in extra details.
  3. Limit personal information: Keep it simple. Only include necessary details on your check—there’s no need to share more than required.
  4. Monitor your accounts: Stay as vigilant with your finances. Regularly review your account activity online or through the Baker Boyer mobile app to catch anything unusual quickly.
  5. Check your paid checks: Regularly review the checks you've issued to ensure the endorsements are accurate and reflect the intended recipient and amount.
  6. Opt for digital payments: Consider switching to Baker Boyer’s mobile payment app or online bill pay for fast, secure, and more convenient transactions.
  7. Confirm receipt: Confirm with your payees that they’ve received and deposited your checks.

For more tips and resources on protecting your financial well-being, visit our Security and Fraud Prevention page. Together, we can keep your money safe and your financial journey smooth.