As technology evolves, we expect for scammers to try to contact us by text, email, or social media. While that’s true in many cases, scams via “snail mail” are still common.
For instance, you may receive a check in the mail for $5 or $10, with instructions that sound simple: deposit it, and you’ll learn about a life insurance program that could pay up to $50,000.
Here’s another recent example. Targets of this scam receive a check under names like “Senior Check Benefits,” with promises of coverage for related expenses.
While these may appear harmless, the Better Business Bureau (BBB) and state consumer protection agencies are warning consumers not to cash these unsolicited checks. By depositing the check, you’re agreeing to share personal information and open the door for aggressive sales tactics—or worse, identity theft. Some victims report agents showing up at their homes after cashing the check. Others say they were harassed when they refused to buy insurance.
There’s no shame in being confused when receiving these fraudulent checks, which can appear quite real, with legitimate-looking bank names and professional formatting. However, if you look closely, you’ll notice that there’s no clear company information, no phone number, and no legitimate affiliation with trusted insurers or organizations.
If you deposit such a check, you may think it’s genuine because it clears; but bank employees can make mistakes too, and it may take weeks to discover the check is fake after being processed. By then, scammers may have access your account or other personal information.
Hallmarks of a Potential Check Scam
Unexpected Checks: If you didn’t request it, question it.
No Contact Info: A P.O. box instead of a real address or phone number is a warning sign.
Pressure to Act: Instructions that require you to provide personal details (like a phone number) before depositing.
Promises Too Good to Be True: “Up to $50,000 in benefits” with no clear terms? That’s a scammer’s script.
What to Do If You Receive a Fraudulent Check
Don’t Deposit the Check. Instead, throw it away or shred it.
Protect Your Information. Never share personal details with unknown senders.
Report It. File a complaint with the Federal Trade Commission (FTC), the BBB, and your state’s consumer protection agency.
Educate Others. Share this alert with friends and family—especially seniors, who are often targeted.
Information contained in this blog is for educational and informational purposes only. Nothing contained in this blog should be construed as financial, legal or tax advice. An attorney, financial advisor, and/or tax advisor should be consulted for advice based on your circumstances.
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