Can Someone Steal Bank Info From a Check?

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Can Someone Steal Bank Info From a Check?

Yes, it is possible for someone to steal bank information from a check. Checks contain sensitive information, including your: 

• Bank account number
• Routing number
• Address
• Phone number

Because of this, there are some risks associated with writing checks.

Read: 3 Things You Must Do When Your Savings Reach $50,000

Risks Associated With Writing Checks

1. Exposure of Personal Information: If someone steals your check, they can use the information on it to run scams.
2. Mail Theft: If you mail a check, it can be vulnerable to theft if a mailbox is tampered with. Criminals can intercept mailed checks and access your banking details. The United States Postal Inspection Service recovers more than $1 billion in fraudulent check and money orders.
3. Forged and Altered Checks: If a check is stolen, it can be manipulated or cashed by fraudsters.

Common Check Scams

There are several ways that criminals can use your checks or personal information:

• Reorder checks with your personal information
• Use checkwriting software to print checks using your personal information
• Forge your signature
• Literally wash the ink off a check to write something else. This is known as
  “Check washing”

How To Safeguard Your Information

Although these risks may make you want to avoid writing checks, it’s still possible to do it safely. Here are some safety tips:

• Use indelible ink: This can protect you from check washing scams
• Use more secure payment methods: when possible, use electronic transfers or online payments.
• Monitor your accounts: Regularly check your bank statements for any unauthorized transactions. The earlier you find fraudulent activity, the faster you can act.
• Secure mail handling: If you mail a check, use secure mailboxes. If you’re expecting a check, don’t let it sit in your mailbox.
• Shred old checks: This can keep your personal information secure.

Alternatives to Writing Checks

There are several more secure payment methods. Here are a few to consider:

• Peer to peer payment applications like Venmo, PayPal and CashApp
• Bank transfer software like Zelle
• ACH transfers

What To Do If Your Bank Info Is Stolen From a Check

If your bank information has been stolen, you should report it to your bank as soon as possible. Keep a watch on your bank accounts and credit reports for any suspicious activity.

If you have been the victim of check fraud, you should report it to 

• Your bank
• The Federal Trade Commission
• Your state Attorney General
• The U.S. Postal Inspection Service, if it involved the mail

Final Take

Checks can be a convenient method of payment, but there are some risks. 

With careful handling and vigilance, you can safely use checks without compromising your financial security. Remember, the way you manage and write checks plays a crucial role in safeguarding your bank information.

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