Your Kindness Shouldn't Cost You: Protecting Yourself from Check Deposit Scams

Check deposit fraud is becoming increasingly common, and we want to help you stay protected. These scams often succeed not because victims feel pressure - they're just trying to help someone seemingly in need. 

How the Scam Works 

Imagine you're at an ATM and a stranger approaches you. They seem anxious. Upset. They have a compelling story.  
 
Maybe they claim their account is frozen, they've lost their debit card, or they need urgent help depositing a paycheck. They'll ask you to deposit their check and withdraw cash on their behalf, promising to reimburse you later.  
 
The catch? The check is fraudulent. And when it bounces, you're left responsible for the entire amount. 

Remember: You're Responsible for Every Check You Deposit 

When you deposit any check—whether through mobile banking, ATMs, or in-branch—you become liable for any purchase or withdrawal using those funds. Even if money appears in your account quickly as available funds, it doesn't mean the check is legitimate. Some fraudulent checks take several days or more to be discovered and returned. 

It's Okay to Say No 

Here's what we want everyone to understand: declining a stranger's request doesn't make you unkind. It makes you smart. Scammers deliberately create stories that exploit your natural desire to help. Protecting your financial security isn't selfish. It's necessary. 

Stay Safe by Following These Guidelines:

• Never deposit checks for people you don't know personally 

• Be cautious of unsolicited or unexpected checks 

• Remember that available funds don't equal cleared funds 

• Trust your instincts—if something feels off, it probably is 

If you encounter suspicious activity or have questions about a potential scam, contact us immediately at 800-462-5000. Your security remains our top priority, and we're here to help you navigate any and all fraud attempts.