Fake Check Scam
You receive a check, deposit it, and are told to send money back — but the check is fake, and you’re left responsible for the loss.
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What Is a Fake Check Scam?
A fake check scam happens when a scammer sends you a check and asks you to deposit it, then send part of the money back.
The check may appear real and even temporarily clear — but it is ultimately fraudulent.
Why This Scam Works
Banks may make funds available before fully verifying a check. This gives victims a false sense that the money is legitimate.
By the time the check is discovered to be fake, the victim has already sent real money to the scammer.
How the Scam Works (Step-by-Step)
1. You Receive a Check
The check may come through:
- Email (printable check)
- Job offers or online sales
2. You Deposit the Check
Your bank may show the funds as available within a few days.
3. You’re Asked to Send Money
The scammer asks you to:
- Send part of the money back
- Buy gift cards
- Transfer money via wire or crypto
4. The Check Bounces
Weeks later, the bank determines the check is fake — and YOU are responsible for the full amount.
Common Fake Check Scam Scenarios
- Overpayment for items you are selling
- “Mystery shopper” jobs
- Work-from-home job offers
- Prize or lottery winnings
These scams often follow the same pattern as advance-fee fraud, where victims are promised money but must send funds first. :contentReference[oaicite:0]{index=0}
Red Flags to Watch For
- You’re asked to send money after depositing a check
- The check amount is more than expected
- Urgency or pressure to act quickly
- Requests for gift cards or crypto payments
How to Protect Yourself
- Never send money from a check you just deposited
- Wait for full bank verification (can take weeks)
- Verify the source independently
- Be cautious of unsolicited checks
What to Do If You Deposited a Fake Check
- Contact your bank immediately
- Stop any outgoing payments
- Report the scam to the FTC