Check Yourself

Checks may feel old-school, but they’re still a common way to receive and send money. While digital payments are everywhere, checks are still commonly used by government agencies, escrow companies, employers and family for things like payroll, refunds, and other payments. Unfortunately, check mistakes, and even check scams, are on the rise.

Before you deposit or cash your next check, take a moment to “check yourself.” These simple tips can help you avoid delays, fees, or even fraud.

If a check is made payable to more than one person, everyone listed may need to:

• Be a joint owner on the account where the check is being deposited
• Endorse (sign) the back of the check

If you’re unsure, it’s always best to ask before depositing. Depositing a check incorrectly can cause the deposit to be rejected later.

Mobile deposit is fast and convenient, but don’t throw the check away right away.

Best practice:

• Keep the check for at least 7–14 days after deposit
• Make sure the funds have fully cleared
• Then destroy the check (shred it if possible)

This helps avoid issues if:

• The image was unclear
• There was a processing error
• The check is returned unpaid

Before depositing:

• Confirm the name is spelled correctly
• Verify the amount matches in numbers and words
• Look for alterations, stains, or damage
• Be cautious of checks from people or businesses you don’t know

If something feels off, pause and ask.

Scammers often send fake or altered checks and ask you to:

• Send money back
• Buy gift cards
• Wire funds
• Send money through payment apps

Even if funds appear in your account, a check can still be returned later, leaving you responsible for the loss.

Rule of thumb: If someone pressures you to move money quickly after depositing a check, it’s likely a scam.

Our team is here to help you avoid costly mistakes.

If you have questions about a check, mobile deposit, or anything that doesn’t feel right, reach out before taking action.

A quick conversation can save you time, money, and stress.

Final Thought

Checks are still useful, but they require a little extra awareness.

Take a moment to check yourself before you deposit, and you’ll help keep your finances safe and running smoothly.