Check Washing Is Happening: Here’s What You Should Know

Mail theft and check fraud continue to affect customers across the country, and one of the most common methods fraudsters are using right now is something called check washing. While it may sound old fashioned, it’s very real and it can lead to stolen funds, account disruptions, and a lot of frustration if it goes unnoticed.

At First International Bank & Trust (FIBT), we want to make sure you know what’s happening, what to watch for, and how you can protect yourself.

What Is Check Washing?

Check washing is a form of fraud that starts with mail theft.

In these cases, criminals intercept paper checks – often credit card payments or other mailed bills – and alter them so the funds can be redirected. Some fraudsters use household chemicals to remove ink from the check, while others create altered copies using scanners or printers. The result is a check that looks legitimate but has a changed payee name or dollar amount.

Why This Matters

When a washed check clears, it may appear that a payment was made, but not to the intended recipient. That can lead to:

• Missing or delayed payments
• Unexpected account balances
• Time consuming dispute and recovery processes

The good news: acting quickly makes a big difference.

How to Protect Yourself

While no method is completely risk free, these steps can significantly reduce your exposure to check washing and mail theft:

• Use electronic payment options whenever possible. Online bill pay and digital payments eliminate the risk of mail interception.
• If you must mail a check, drop it inside a post office lobby rather than leaving it in a residential mailbox.
• Use pens with smear resistant, waterproof ink when writing checks.
• Keep an eye on your accounts and review statements regularly for unfamiliar activity.
• Act quickly if something seems off. If a mailed payment hasn’t posted or you notice an unexpected transaction, contact us right away.

What to Do If You Suspect Fraud

If you believe a check you mailed may have been stolen or altered:

1. Contact FIBT as soon as possible so we can help secure your account.
2. A stop payment may be placed if the check has not yet cleared.
3. In certain situations, reports may be filed with local authorities or the U.S. Postal Inspection Service as part of the investigation process.

Our fraud prevention team works closely with customers and industry partners to respond quickly and limit potential losses.

We’re Here to Help

Check washing is frustrating, but you’re not on your own. If you have questions, notice suspicious activity, or want to talk through safer payment options, our team is here to help protect your accounts and your peace of mind.