The Fake Check Scam: "Deposit This and Send Some Back"

Someone sends you a check for more than they owe you, and asks you to send the extra back. It's a scam. Here's how it works, and how to protect yourself, from the FTC.

1. How It Works

You deposit the check. They ask you to send back the difference. Then weeks later, the check turns out to be fake, and you may have to pay the bank back.

2. The Trap

Here's what fools people. Banks have to make the money available quickly. But even if you see it in your account, that doesn't mean the check is good.

3. Where It Shows Up

Watch for it when you sell something online, in mystery shopper or personal assistant jobs, car wrap offers, and prizes that make you pay taxes or fees first.

4. The Rules

Never use money from a check to send gift cards, money orders, crypto, or a wire transfer back to someone. And don't accept a check for more than your selling price.

5. Already Sent Money?

Act fast. Contact the company you used, like the gift card company, wire service, or money order issuer, right away. Then report it at ReportFraud.ftc.gov.