Check Fraud

The maker wrote a legitimate check, but the criminal changed some part of the check, like payee name or amount.

• Closed Account Fraud

• Counterfeit Checks

• Altered Checks

• Forgery

These are designs in the background of check. When they are photocopied, the design disappears and what remains is the word void. This makes the check non-negotiable.

• Watermarks

• Pantographs

• Holostripes or Holograms

• Security inks

These will change color when heat is applied from either rubbing or breathing on them.

• Microprinting

• Chemical Voids

• Security Inks

• Heat Sensors

These contain images that are very difficult to replicate.

• Holostripes or Holograms

• Microprinting

• Pantographs

• Watermarks

True or False? Legitimate checks will usually have a dull finish.

• True

• False

True or False? Counterfeit checks will usually have a dull or opaque MICR line.

• True

• False

What items should we always be on the lookout for? Select all that apply.

• Spelling Errors

• Low check numbers

• Checks presented during busy times by distracting members

• Shaky Signatures/Gaps/Overlaps

The criminal steals checks that are drawn off of a valid account and then imitates the maker's signature.

• Forgery

• Counterfeit Checks

• Altered Checks

• Closed Account Fraud

The criminal attains a real account number, and then creates fake checks using that real account number.

• Counterfeit Checks

• Closed Account Fraud

• Forgery

• Altered Checks

The criminal finds checks that are drawn off of an account that is no longer open and then uses them.

• Counterfeit Checks

• Forgery

• Altered Checks

• Closed Account Fraud