Digital checks may seem like a modern convenience, but they’re also being used by scammers to trick people into sending money they’ll never get back. At Consumers, we’re seeing an increase in fraudulent digital checks being emailed to members, and we want to make sure you know how to spot and avoid them.
What is a digital check scam?
Scammers are emailing fake checks to members under the guise of legitimate transactions. These scams often start with a seemingly innocent opportunity:
- A remote job offer for a site like Indeed
- A request to purchase something you’re selling online
- A stranger offering money “just because”
- A social media message asking to use your photo for an art project
Once the fake check is emailed and deposited, the scammer will ask you to send part of the funds back—usually through CashApp, Venmo or Zelle. The catch? The check hasn’t cleared and when it bounces, you’re left responsible for the full amount.
How to spot a fake digital check
Our fraud team says these are the most common red flags:
- Multiple fonts or inconsistent formatting
- Strange memo lines that don’t match the context
- Checks from out-of-state companies or individuals you’ve never heard of
- Urgent requests to send money back quickly
Legitimate digital checks are rare and typically come from insurance companies and only when you’re expecting them. If it’s a surprise, it’s probably a scam.
What to do if you receive a suspicious check
- Don’t deposit it. If you’re unsure about the source, contact our fraud department at 800.991.2221 before taking any action.
- Never send money back until a check has fully cleared—and even then, verify the sender.
- Report the scam to Consumers and the platform where the scam originated (e.g., Indeed, Facebook, Instagram).
Protect yourself and others
Scammers often target younger individuals or those unfamiliar with digital banking. Share this information with friends and family to help them stay safe. And remember: If it sounds too good to be true, it probably is.
Federally Insured by NCUA