Respond to a Counterfeit Check Question

A customer who receives an unexpected check may be tempted to deposit it because the sender promises a quick reward, job, or purchase. A branch banker should not authenticate a check informally or tell the customer it is safe. Start by asking what the sender requested, whether the customer was asked to send money elsewhere, and whether any information has already been shared.

Riley brings in a check from an online buyer who says Riley should deposit it and forward the extra amount to a shipper. His banker says, “That pattern deserves caution. Do not send money or use contact details from the message while you seek official guidance.” The banker explains the approved path for fraud support and does not say what a deposit review will conclude.

Focus on safe behavior. Remind Riley not to provide passwords, security codes, or remote access to anyone claiming to represent the bank. If the customer has already deposited the item or sent funds, gather the details needed to connect them with the right support team promptly. Avoid blame; embarrassment can make people withhold facts that are important to the review.

End by confirming the actions Riley can take. Riley knows the official contact route, what information to retain, and why he should avoid communicating through the sender’s links or phone number. Ask him to repeat the next safe step. A clear branch conversation can interrupt a scam that creates intense pressure. The banker should not state that the bank can determine an outcome at the counter.