Check fraud might sound like an “old-school” scam, but it’s back in a big way, and it’s not only seniors being targeted. More and more young adults are falling for fake check scams, especially through social media, job offers, and even mailed checks.

At Exchange Bank of Northeast Missouri, we want to help you understand how these scams work and what you can do to protect yourself and your family.

What Is a Fake Check Scam?

A fake check scam usually starts with someone sending you a check, often for more money than you’re owed, and then asking you to send part of it back. The check may look real and even clear at first, but it’s counterfeit.

Once your bank discovers fraud, you’re on the hook for the full amount. That’s what makes these scams so costly.

Common Scenarios

Here are some of the most frequent situations where scammers use fake checks:

  • Mystery shopping: You’re paid with a check, then asked to wire or send part of it back.
  • Job offers: You’re paid upfront for a job and told to buy supplies or send money.
  • Car wrap ads: You’re “paid” to put an ad on your car, but the check is fake.
  • Prize winnings: You’re told you’ve won money but must pay fees or taxes first.
  • Online sales: A buyer overpays you by check and asks you to send back the difference.

Learn more from the FTC’s full guide to fake check scams.

Why Young Adults Are Being Targeted

Fake check scams aren’t just hitting retirees anymore. Many scammers now use Instagram, TikTok, and other platforms to reach younger people with offers that look like quick cash or remote work.

Victims may be asked to:

  • Open a new bank account
  • Deposit a check for someone they met online
  • Send money back through apps like Venmo, Zelle, Cash App, or even cryptocurrency

Unfortunately, when the check bounces, the victim is left responsible, sometimes even facing legal trouble.

Think You Deposited a Fake Check? Contact Us

Red Flags to Watch For

Keep these warning signs in mind:

  • Unsolicited job or influencer offers that pay “upfront”
  • Pressure to act quickly without asking questions
  • Requests to send money back via apps or gift cards
  • Vague instructions or poor grammar in emails/messages
  • A check from someone you don’t know

Mailed Check Scams in Missouri

Even traditional mail isn’t safe. Missouri residents have reported receiving fake checks disguised as coming from trusted companies. They often arrive with instructions to deposit the check and send money elsewhere.

You can find helpful resources from the Missouri Attorney General’s Office here: ago.mo.gov/scams-frauds.

How to Protect Yourself

If something feels off, trust your instincts. Here’s how to stay safe:

  • Never deposit a check from someone you don’t know or trust
  • Don’t send money back for any reason
  • Double-check job offers, sweepstakes, or “overpayments” independently
  • Report suspicious checks to your bank right away
  • Talk to the young adults in your life about these scams

What To Do If You Think You’ve Been Targeted

If you’ve received a suspicious check, or already sent money, take these steps:

  1. Contact your bank immediately
  2. Report it to the FTC at ReportFraud.ftc.gov
  3. Notify the U.S. Postal Inspection Service if it came by mail
  4. Report it to the Missouri Attorney General’s Office

Exchange Bank Is Here to Help

If you ever get a check that doesn’t feel right, stop by or call us first. Our team can help you verify whether it’s real and guide you on next steps. Protecting your money, and our community, is always our top priority.

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