Still sending checks in the mail? It's time to stop.

Key Points:

• Despite a decline in the number of checks written, check fraud is increasing, with Americans losing more money to check fraud in 2025 than to debit or gift card scams, as thieves target larger-value checks typically used for one-time transactions.
• Criminals use advanced technology and organized operations to steal checks from mailboxes and USPS drop boxes, then alter or forge checks by washing off ink and changing payee and amount details, putting consumers' bank account information at risk.
• Consumer advocates recommend stopping the use of paper checks in favor of safer electronic payments via credit/debit cards, bank apps, or secure online portals, though some Americans remain uncomfortable with digital payment methods.
• To reduce check fraud risk, consumers should use secure checks with anti-fraud features, write checks with permanent ink, avoid leaving blank spaces, mail checks securely, monitor their accounts for unauthorized deposits, and report suspected fraud promptly to banks and authorities.
• Banks may hold customers liable for losses if fraud is not reported within a specified timeframe, emphasizing the importance of timely review of bank statements and immediate action upon detecting suspicious activity.