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Check Fraud on the Rise Despite Decline in Use

Posted on September 8, 2023


For video in English, click here.

Are paper checks a thing of the past? Although the number of paper checks in circulation is on the decline, fraud experts say they are becoming more of a problem than a solution. According to the Federal Reserve, last year financial institutions received more than 680,000 suspicious activity reports related to check fraud.

The uptick in check fraud is due to a surge in mail theft from mailboxes, trucks, and even letter carriers. Thieves are specifically seeking out checks that they can “wash” to alter the original recipient and dollar amount or to sell on the dark web. Another concern, checks are loaded with our personal information including our name, address, bank account and routing number. With this information, thieves are able to find out even more about a person like their Social Security number and email address.

Experts suggest using alternative ways to pay including cash transfer apps such as Zelle®, which partners with banks to safely send and receive money straight from your banking app. To learn more about Zelle®, visit themerrimack.com/zelle.

If you choose to use checks, here are some tips to lower your risk of fraud:

  • When filling out a check, write out the amount so the words fill out the line. Also make sure the numeric amount fills the box.
  • Use permanent ink to prevent the check from being washed.
  • Never write check out to “Cash”.
  • Sign your checks the same way every time so your signature is easily recognized by the bank.
  • Keep your checks in a secure, private place in your home.
  • Deposit mail in collection boxes as close to the indicated pickup time or take it inside the post office for mailing.
  • Regularly review your statements for suspicious activity.

If you are a Merrimack customer and are concerned your personal or financial information was compromised, please call us directly at 603.225.2793.

Filed Under: Consumer Alerts

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PO Box 2826
Concord, NH 03302-2826
603.225.2793
800.541.0006
Telephone Banking: 888.224.6272
NMLS#433938

Equal Housing Lender | Member FDIC

© 2023 Merrimack County Savings Bank

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PO Box 2826
Concord, NH 03302-2826
603.225.2793
800.541.0006
Telephone Banking: 888.224.6272
NMLS#433938

Equal Housing Lender | Member FDIC

© 2023 Merrimack County Savings Bank

  • Personal
    • Personal Checking
    • Personal Lending
    • Personal Savings, Money Markets, CDs & IRAs
    • Checking & Savings Rates
    • Mutual Benefits Program
    • Branch Leadership Team
    • Home Lending
    • Online, Mobile & Telephone Banking
    • Health Savings Accounts
    • Overdraft Programs
    • Safe Deposit Boxes
  • Business
    • Business Checking & Savings
    • General Lending Services
    • Online, Mobile & Telephone Banking
    • Additional Business Services
    • Business Team
    • Mutual Benefits Business Partner Program
  • Resources
    • Financial Education
    • News
    • Routing Number
    • Banks Never Ask That
    • Calculators
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    • Member Portal
  • About
    • Careers
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  • Personal
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      • Apply
      • Rates
      • Checking
      • Order Checks
      • Savings, Money Markets, CDs & IRAs
      • Health Savings Accounts
      • Overdraft Programs
      • CheckReserve Line of Credit
      • Courtesy Pay
      • $5 Allowance
    • Home Lending
      • Home Lending Team
      • Apply
      • Rates
      • Home Lending
      • Home Loans for University Professionals
      • Home Loans for Medical Professionals
      • Home Equity Lines & Loans
      • Home Buying Road Map
      • First Time Homebuyers
      • Mortgage Assistance Programs
    • Personal Lending
      • Apply
      • Rates
      • Personal Lending
    • Online, Mobile & Telephone Banking
      • Online, Mobile & Telephone Banking
      • Telephone Banking Guide
      • Video Demos
    • Mutual Benefits Program
      • Mutual Benefits Program
      • Tiers and Benefits
      • Local Partners
      • Mutual Benefits Member Portal
      • Personality Quiz
    • Safe Deposit Boxes
  • Business
    • Business Team
    • General Lending Services
      • General Lending Services
      • Rapid Business Loans
      • Medical & Dental Practice Loans
      • Loan Application Form
    • Checking & Savings
    • Online, Mobile & Telephone Banking
      • Online, Mobile & Telephone Banking
      • Telephone Banking Guide
      • Video Demos
    • Additional Business Services
    • Mutual Benefits Business Partner Program
  • Resources
    • Financial Education
    • News
    • Routing Number
    • Wire Transfer Instructions
    • Banks Never Ask That
    • Webinars
      • Customer Webinars
      • Realtor Webinars
    • Calculators
      • College Savings Calculator
      • Loan Calculator
      • Mortgage Calculators
      • Retirement Calculator
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    • Brochures
  • Hours & Locations
  • About
    • Careers
    • Community
      • Community Involvement
      • Foundation Application
    • Privacy & Security
    • Annual Community Photo Contest
    • Affiliates
      • NHTrust
      • Meredith Village Savings Bank
      • Savings Bank of Walpole
      • New Hampshire Mutual Bancorp
    • History
    • Directors
    • Leadership Team
    • Values
    • Annual Report
    • Hours & Locations
    • Holiday Schedule
  • Contact
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