Protect Your Hard-Earned Money from Check Wash Fraud
You work hard for your money—don’t let scammers take it away.
Scammers are getting smarter, and check washing is one of the latest scams putting members at risk. Criminals steal checks, erase the details, and rewrite them to cash in on your hard-earned money.
At Mid Carolina Credit Union, we want you to stay one step ahead. Here’s what you need to know and how to keep your accounts safe.
What Is Check Washing?
Check washing happens when criminals steal checks—often from mailboxes or USPS drop boxes—then use chemicals to erase the ink. They rewrite the check with a new payee and a higher amount before cashing it, often before the original account holder notices.
How to Protect Yourself from Check Fraud
Use a Gel Ink Pen
Writing your checks with a gel ink pen makes it nearly impossible for criminals to wash away your handwriting. Ballpoint pens are easier to alter, so consider switching to gel ink for added security.Avoid Mailing Checks When Possible
Mail theft is one of the most common ways scammers obtain checks. If you need to send a check, drop it off inside your local post office rather than using an outdoor mailbox. Even better, use secure electronic payment options like Bill Pay and ACH transfers through your Mid Carolina Credit Union account.Monitor Your Accounts Regularly
Stay on top of your finances by checking your Mid Carolina Credit Union digital banking app frequently. Set up account alerts so you’re immediately notified of any unusual transactions. If you spot suspicious activity, contact us right away.Consider Using Digital Payment Tools
Instead of writing checks, take advantage of online bill pay, person-to-person payments, or automatic withdrawals through your credit union account. Digital payments reduce fraud risk and offer a faster, more secure way to move money.Be Aware of Mailbox Theft
If you receive checks in the mail, be vigilant. Retrieve your mail promptly, and if possible, invest in a locked mailbox for added security.
Mid Carolina Credit Union Has Your Back
If you spot any unusual activity or suspect check fraud, contact us right away. We take every precaution to protect our members, but staying informed is the best first step.
Your peace of mind is our priority. Let’s work together to protect what’s yours.