Fake Check Scams
You receive a check for too much and are asked to send part of it back before the check bounces.
Think a message like this reached you? You can check it right now.
What this scam is
A scammer sends you a realistic-looking check and asks you to deposit it and send part of the money back, or forward it to someone else. Days later the bank discovers the check is fake, and you owe back every dollar you sent.
What it usually looks like
- You are overpaid and asked to refund the difference.
- A 'prize' or job requires you to deposit a check and send fees back.
- You are told to act before the check 'expires'.
Common warning signs
- Any deal where you deposit a check and send money back.
- Pressure to wire or send funds quickly.
- The story does not quite make sense.
Example wording scammers use
“We accidentally overpaid. Please deposit the check and send back the extra $1,500 by Zelle.”
These are illustrative examples written by ScamSplain, not real messages.
What the scammers want
- Your real money before the fake check bounces.
What to do
- Never send money back from a check you deposited for a stranger.
- Ask your bank to confirm a check has truly cleared — this can take weeks.
- Be suspicious of any overpayment.
What to do if you already responded
- Contact your bank immediately.
- Keep all records and communication.
- Report it to the FTC.