As banking goes ever more digital, check fraud schemes keep evolving. From “invisible” digital forgeries to bill-pay scams, here’s the very latest in check-based tricks—and the simple steps you can take to prevent check fraud and stay one step ahead.
New tricks crooks use
- High-tech fake checks
Scammers use advanced tools to copy watermarks and tiny print. The check looks real, which makes it harder to Prevent Check Fraud without spotting the signs. - Swapped QR codes
A sticker with a fake QR code sends you to a scam site to steal your info. - “Refund” check + payment app
They mail you a check, ask you to deposit it, then pressure you to send money quickly via a payment app (like Zelle). The check later bounces — and you’re stuck owing the money. - Made-up identities
Fraudsters open accounts with fake names, make lots of mobile deposits, and withdraw the cash before being caught. - Fake bank calls
A caller sounds like your bank and tricks you into pressing buttons or speaking phrases that “approve” bad transactions.
Red flags to watch for
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A check you didn’t ask for, with a note to send money back.
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Blurry, smudged, or crooked numbers at the bottom of a check.
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A QR code sticker that looks newer than the bill or covers printed text.
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Urgent language: “Act now!” or “24 hours only!”
How to protect yourself
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Verify first: Call the company using a number you find yourself to help Prevent Check Fraud.
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Use your bank’s app: It can detect bad images or duplicate checks.
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Wait for funds to fully clear before you spend or send.
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Check security features: real watermarks, color-shift ink, clean edges.
If you think it’s a scam…
- Call your bank immediately to stop or freeze the deposit.
- Report it to the FTC and your local police.
- Watch your credit or place a fraud alert to Prevent Check Fraud from spreading.