Altered Checks

How it works: A legitimate check is written to pay a debt. The criminal then uses chemicals to “wash” the name of the payee or the amount of the check off and fills in the information they want.

To protect against such fraud, business should make sure when they issue a check that there are no large blank spaces where extra writing can be added. (Making a $10.00 worth $110.00)

When accepting a check, have the person fill the check out in front of you, and verify that the signature matches the handwriting on the rest of the check.

Look to see if the check appears to have been “washed.” See if there are any indications that the check has gotten wet or that there was writing on it previously (ink blotches etc). DO NOT ACCEPT THESE CHECKS.

Counterfeit checks

Software programs currently exist that allow people to print their own checks. Coupled with the use of scanners and high-quality printers, counterfeiters are able to print off checks for stolen account information.

To protect against counterfeit checks, observe the quality of the paper used for the checks. Counterfeit checks are often printed on poorer quality paper, and the ink will smudge when rubbed with a moist finger.

If feasible, require two forms of identification and record the information on the presented document, especially for checks made out for large sums of money or to cash. At least require a government-issued photo ID.