In today’s digital world, scammers are constantly finding new ways to trick people—and one growing trend is the e-check scam.

Here’s how it works:

Fraudsters email you an image of a check, calling it an “electronic check,” and ask you to deposit it into your bank account using mobile deposit. While this may sound convenient, emailed checks are not legitimate or negotiable items. Banks require original checks or authorized electronic transfers—not images sent via email.

Depositing an emailed check image is considered check fraud, and it can lead to serious consequences, including account closure and financial liability. Scammers often use this tactic to get you to send money back before the check bounces, leaving you responsible for the loss.

How to Protect Yourself:

• Never deposit a check image received by email
• Report suspicious activity to your bank immediately
• File a complaint with the FTC at reportfraud.ftc.gov

Stay alert and share this information with your family and community. Awareness is the best defense against fraud.

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