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Protect Yourself from Check Fraud: Tips from the U.S. Postal Inspection Service

03/24/2025

Protect Yourself from Check Fraud: Tips from the U.S. Postal Inspection Service

Check fraud is on the rise, and criminals are getting more sophisticated in their schemes. The United States Postal Inspection Service (USPIS) is working to combat fraud and mail theft, but there are steps you can take to protect yourself. Here’s what you need to know about preventing check fraud and what to do if you become a victim.

How to Protect Your Mail

Since many check fraud schemes begin with stolen mail, safeguarding your mailbox is the first step in prevention:

• Retrieve your mail promptly – Don’t leave mail sitting in your mailbox overnight.
• Use a secure mailing method – Drop outgoing mail in USPS letter slots inside your post office instead of using an unsecured mailbox.
• Hold your mail when out of town – If you’re traveling, request a mail hold at your local post office.
• Sign up for Informed Delivery – This free USPS service provides daily email notifications of your incoming mail.

How to Protect Your Checks

Even if your checks are stolen, criminals can’t easily alter or misuse them if you follow these precautions:

• Use indelible black ink – Criminals use "check washing" techniques to erase and change details, but permanent ink makes this much harder.
• Avoid blank spaces – Fill out the payee and amount lines completely to prevent alterations.
• Never write personal details on checks – Your Social Security number, credit card information, or phone number should never be included.
• Regularly monitor your bank statements – Check for unauthorized transactions or alterations.
• Use electronic payments when possible – Consider e-checks, ACH payments, or mobile payment options for added security.

What to Do If You’re a Victim of Check Fraud

If you suspect check fraud, take immediate action:

1. Report it to your bank – Request copies of all fraudulent checks and review your account for other suspicious activity.
2. Provide details of mailed checks – If a stolen check was mailed, note when and where it was sent to help pinpoint the compromise.
3. Report to law enforcement – Share copies of stolen, altered, or counterfeit checks, along with information about the Bank of First Deposit (BOFD).
4. Contact the U.S. Postal Inspection Service – Visit www.uspis.gov or call 1-877-876-2455 to report mail-related fraud.

Check fraud is serious—violators can face fines of up to $1,000,000 and up to 30 years in prison under federal law (18 U.S. Code § 1344). By taking proactive steps, you can reduce your risk and protect your finances.

Stay safe, stay vigilant, and bank with confidence!