Recent reports from the FBI and U.S. Postal Service show that check fraud is rising rapidly, with incidents nearly doubling in just one year. Even more concerning, mail theft tied to check fraud has surged dramatically over the past decade.

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How the Scam Works

Criminals are targeting mailboxes – both residential and public – and stealing checks before they reach their destination. Using common household chemicals, they “wash” checks, removing the original payee and amount so they can rewrite them for their own benefit.

Because check processing is largely automated, altered checks can sometimes clear without being flagged, allowing funds to be withdrawn before fraud is detected.

In some cases, victims don’t even realize anything is wrong until they receive a notice for a missed payment, and after their money is already gone.

Why This Matters for You

While checks may feel familiar, they are increasingly vulnerable in today’s environment. That’s why federal agencies now recommend using more secure digital payment options whenever possible.

The good news? You have safer, faster, and more convenient ways to move your money!

Safer Payment Options to Consider

✅ Online Bill Pay

Use PNWFCU Online and Mobile Banking to pay bills electronically.

• Secure and trackable
• No paper checks or mailing required
• Schedule one-time or recurring payments
• Helps ensure payments arrive on time

✅ ACH (Automatic Payments)

Set up automatic withdrawals directly from your account for recurring bills like utilities, loans, or subscriptions.

• Reliable and consistent
• Reduces risk of missed payments
• No manual steps each month

✅ Mobile Payments

Pay friends, family, or small businesses digitally using trusted apps or PNWFCU’s person-to-person payment tools, like Zelle.

• Fast (often instant!)
• No need for cash or checks
• Easy to manage from your phone

✅ Debit Card Payments

Use your debit card for everyday purchases or online payments.

• Widely accepted
• Fraud monitoring and security protections in place
• Immediate transaction tracking

Still Prefer Checks? Here’s How to Stay Safer

If you choose to use checks, taking a few extra precautions can help:

Protect Your Mail

• Pick up mail promptly – don’t leave it overnight
• Avoid leaving outgoing mail in your home mailbox
• Drop checks inside the post office when possible

Protect Your Checks

• Fill out all fields completely (no blank spaces)
• Monitor your account and review check images
• Report delays or suspicious activity immediately

The Bottom Line

Checks aren’t going away overnight, but they’re no longer the safest option in many situations.

Switching to digital payments can help protect your money while also saving time and simplifying your financial routine.

At PNWFCU, we’re here to help you bank with confidence. From setting up online bill pay, enrolling in automatic payments, or exploring new digital tools, we’re here to help!

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Need help getting started?

Contact our team or log into online banking to explore your payment options today.

Don’t have online banking yet? It’s easy to get started today.