What to do if You’re a Victim of Check Fraud

What to do if You’re a Victim of Check Fraud

If check fraud happens, acting quickly matters.

Finding out you’ve been a victim of check fraud can feel overwhelming. 

Maybe a check was stolen from the mail. Maybe your account shows a payment you never authorized. Or maybe you deposited a check that turned out to be fake. 

No matter how it happened, one thing is true: acting quickly matters. The sooner you respond, the better your chance of limiting financial loss, protecting your account, and preventing further fraud. 

If you think you’re a victim of check fraud, here are the steps to take. 

Download the Victim Action Guide

A Checklist to Help You Spot the Signs Early

• Step 1: Contact your financial institution immediately
• Step 2: Review recent account activity
• Step 3: Document suspicious transactions
• Step 4: File a fraud report
• Step 5: Secure your account
• Step 6: Replace compromised checks
• Step 7: Monitor your credit reports for identity theft

Important

If the fraud involves a mobile deposit or electronic check, it should still be treated as check fraud. Report it immediately! Banks can investigate both digital and paper-based scams. Fraudsters often combine electronic checks, mobile deposits, and instant payment requests (wire, ACH, or peer-to-peer transfers). These combined tactics are designed to create urgency and confusion.

Disclaimer: Information adapted from America Saves, “How to Detect Check Fraud Early,” in partnership with the American Association of Credit Union Leagues (AACUL), America’s Credit Unions, and TruStage®. Used with permission where applicable.