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AB Fraud Patrol: Check Fraud

Check fraud happens when someone attempts to negotiate a check that has been forged, stolen or altered. Although check writing may be declining, check fraud continues to occur – sometimes for large amounts of money. The fraudster gets ahold of a check or an account number, creates fraudulent checks and attempts to negotiate them.

What do you do if you identify a fraudulent check has posted against your account?

  • Contact your financial institution.
  • Notify your local Police Department.
  • Notify the Federal Trade Commission 1-877-FTC-HELP or file a complaint at www.ftc.gov. The FTC collects complaints about hundreds of issues and makes them available to law enforcement agencies worldwide for follow-up.
  • File a complaint with the FBI’s Internet Crime Complaint Center (IC3) at www.ic3.gov.

PROACTIVE BEST PRACTICES

What can you do to protect yourself?

  • Keep your account number and checks secured.
  • Enroll in online banking and review transactions daily.
  • When a check posts, review the photo/image of it to assure it was not altered.
  • Review bank statements regularly and carefully.
  • When mailing checks, deliver envelope directly to the post office or postal mail box.
  • Businesses can purchase Positive Pay and ACH block/filter.