How can I find out if a bank check is real or a scam?

Question

I received an out-of-state check in the mail. I need to know how I can go about verifying that this is a legitimate check and not a NSF check or any other type of invalid check.

This check was not one that was sent to me as a form of payment. This check is printed on valid check paper (valid watermark, etc). There is a name on the check but no address of the person that signed it, and it is written on a bank with the name of US-Bank.

Answer 1

You could:

1. Cash the check if the bank has a local branch or local affiliate-branch. (safest option)

2. Call the bank and see what info they will verify (open account, funds availability, name of maker, no stop payments, etc.)

3. Have your bank send it out for collections (which could take weeks or be returned by the paying bank if they don't accept checks sent for collections).

4. Request the funds be wired to you instead or sent as a postal money order, etc.

5. Deposit it, wait two weeks and call the other bank to confirm if it's been paid (it can still be reversed if it's a fraudulent check)

6. Go to a check cashing place and try to cash it there. Call one up and ask what happens if it comes back. I'm guessing they'll go after you.

Answer 2

If the check is for a large amount, you can pay a small fee and have your bank send the check for collection. That means you would have to wait for your money, but you receive good funds if you do. If the check is fraudulent, the check will be returned back to you and stamped with the reason of return.

Answer 3

Call the bank. My bank has an option on the automatic menu for businesses or individuals who want to verify checks.

Answer 4

Most banks will no longer verify checks. You probobly have to deposit this check and wait until it clears.

Answer 5

ususally fake check "bleed" and real ones dont so apply some drops of water on it and see what happens