Mailing A Check? Here’s How To Avoid Fraud:

Even in today’s digital world, checks remain a common way to pay bills, send gifts, or handle business transactions, especially among small businesses and older adults. But sending checks through the mail comes with risks. With check fraud and mail theft on the rise, taking a few extra precautions can go a long way in keeping your money and identity secure.

The Risks of Mailing Checks

Criminals have become increasingly creative and bold in how they target mailed checks. Some of the most common threats include:

• Mail theft, where thieves target USPS blue collection boxes and even residential mailboxes, especially overnight or after the last pickup time.
• Thieves may also use check washing, where chemicals are used to erase your handwriting, then rewrite the check with a new payee and a larger amount.
• Identity theft is another risk associated with mailing checks. Checks contain sensitive information, including your name, address, and bank account details. 

How to Write Checks Securely¹

If you’re going to write a check, make it as tamper-resistant as possible:

• Use a black gel pen; the ink is harder to remove than standard ballpoint ink.
• Fill out all fields completely. Avoid leaving blank spaces on the payee or amount lines.
• Write clearly and consistently, especially your signature.
• Keep a record of the check number, amount, and recipient for your tracking.

How to Mail Checks Safely

Where and how you send your check can make a big difference:

Avoid blue USPS collection boxes, especially after the final daily pickup, and if possible, drop checks inside a post office or hand them directly to a postal clerk.²  Consider using security envelopes that prevent others from seeing the check inside. Don’t leave checks in your personal mailbox with the flag up; it signals outgoing mail to potential thieves.

If you’re a business owner, we recommend enrolling in Positive Pay. This service allows you to monitor checks and notify us of any red flags before hitting your account.

Consider Safer Alternatives

If you’re concerned about mailing a check, look into other secure payment options:

• Online bill pay
• P2P (person-to-person) apps like Zelle, just be sure to verify the recipient.
• Autopay: great for recurring bills like utilities, insurance, or mortgage payments.

What to Do if You Suspect Check Fraud

If you think a check has been stolen, altered, or misused, contact your bank immediately to stop payment and report the fraud. Report mail theft to the U.S. Postal Inspection Service at uspis.gov. File a police report for documentation and investigation, and monitor your bank account for any suspicious activity.

Checks may feel like a secure, traditional way to pay, but that’s exactly why scammers still target them. By following a few best practices when writing and mailing checks, you can help protect yourself from fraud and ensure your payments get where they’re going safely.

¹https://practicesafechecks.com/safe-check-tips/

²https://www.cbsnews.com/boston/news/sending-checks-by-mail-usps-boxes-spring-field-police