Protect Yourself From Check Fraud – Bank Smarter, Pay Safer
Mail theft and check washing are increasing nationwide. Criminals are targeting mailed checks, altering payee names, and using stolen account information to commit fraud. At United Valley Bank, your security is our priority and we’re here to help you stay one step ahead.
What Is Check Fraud?
Check fraud happens when someone steals, alters or forges a check to access your money. Criminals may:
- Steal checks from mailboxes
- “Wash” checks to change the name or amount
- Forge signatures
- Use stolen account and routing numbers
Even one stolen check can lead to significant financial loss and time-consuming recovery.
How to Protect Yourself
Here are simple steps you can take today:
- Use Online & Mobile Payments Instead of Paper Checks
Digital payments are encrypted, trackable, and far more secure than mailing paper checks. - Monitor Your Account Frequently
Review transactions weekly through online banking or our mobile app. - Use Black Gel Ink When Writing Checks
Gel ink is harder to chemically “wash” than regular ballpoint ink. - Use Secure Mail Practices
Avoid leaving outgoing mail in your mailbox overnight. Use secure USPS drop boxes or bring mail directly inside the post office. - Set Up Account Alerts
Enable real-time alerts for withdrawals, payments, and suspicious activity. - Report Suspicious Activity Immediately
The sooner fraud is reported, the faster we can act.
The Safer Way to Pay: Go Digital
Switching to online payments helps reduce fraud risk and makes managing your money easier. With digital banking, you can:
- Pay bills securely in minutes
- Schedule automatic payments
- Send money electronically
- Track payment history instantly
- Reduce paper clutter
- No stamps. No mail delays. No stolen checks.
We’re Here to Help
If you have questions about check fraud prevention or want assistance setting up online payments, visit your nearest branch or log into your online banking account today. Together, we can keep your money safe.