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How To Protect Your Checking Account

Credit card fraud and cyber-crime can be a target of criminal activity, too. Most of the fraud crime can be prevented with a few simple steps.

Checks that you write:
Use checks with security features – Criminals know a variety of ways to remove, change, or alter the amount information on the front of a check. Checks you purchase through 4checks have features to help thwart this activity.

Use a ball point pen – Because most markers are water-soluble, they can be easier for crooks to remove from the paper.

Print all but your signature – Cursive writing is much easier to alter than script. Fill in unused space on the face of the check with a line all the way through to prevent anyone from adding something else.

Securely store and dispose of checks
– Probably the #1 issure of check fraud. By keeping your unused checks and check copies in a secure place you'll prevent anyone else from taking them. Shred or burn checks you never intend to use.


Endorsements
A check payable to you can still be stolen and spent by someone else if you haven't properly endorsed it UNLESS you use a restrictive endorsement. If your check is lost or stolen before you deposit it, it can still ONLY be deposited in your account.

Wait till you're at the bank before endorse if cashing – If you plan to cash the check, sign the check in front of the teller so nobody anybody can add their own signature and cash or deposit the check in their own account.

Be suspicious of checkds that look altered
– Be sure of background information and whom you are dealing with because, if the check turns out to be stolen, you could be on the hook for the loss.