Blog

In today’s digital age, safeguarding your finances is more important than ever. While many transactions happen online, check fraud remains a significant threat. At Citizens National Bank, we want to ensure that your financial transactions are secure, whether you’re using checks or any other method. Here are some key steps you can take to protect yourself when writing and using checks.

1. Keep Your Checks Secure

Store unused checks in a safe place, away from prying eyes. Treat your checks like cash—don't leave them lying around where someone could steal them. If you notice any checks missing, notify CNB immediately.

2. Be Cautious with Check Writing Details

When filling out a check, use ink that can’t be erased, and avoid leaving blank spaces. Write the amount as close to the dollar sign as possible, and draw a line through any unused space to prevent alterations.

3. Regularly Monitor Your Bank Account

It’s crucial to check your bank statements and account activity frequently. This helps you spot unauthorized transactions quickly. Citizens National Bank offers online banking and mobile app services to help you monitor your accounts 24/7. Or even better – set up eAlerts in online banking. eAlert notifications are a simple way to keep tabs on your financial accounts on a regular basis without signing into your Online Banking or Mobile Banking app. 

4. Shred Old Checks and Bank Documents

Before discarding any checks, bank statements, or other sensitive documents, be sure to shred them. Identity thieves can use this information to access your accounts.

5. Consider Using Alternatives for Large Payments

For large or more sensitive payments, consider using electronic transfer options or cashier’s checks, which provide additional security. Citizens National Bank offers secure online and mobile payment options for your convenience with bill pay.

6. Report Suspicious Activity Immediately

If you suspect any fraud, such as unauthorized checks or suspicious account activity, contact Citizens National Bank right away. Swift action can prevent further loss and protect your account.

By following these simple yet effective tips, you can significantly reduce the risk of check fraud and ensure that your finances remain secure. At Citizens National Bank, we’re committed to your financial safety, whether you’re writing checks or managing your accounts digitally.

*2024 Findings from the Diary of Consumer Payment Choices, Federal Reserve, Financial Crimes Enforcement Network, and Suspicious Activity Report Statistics

Related posts

7 Types of Real-time Alerts. Keep Your Money Safe; Set up eAlerts.

5 Advantages of Online Banking: Take Five with CNB (Part 2 of 5)

5 Benefits of a Digital Wallet: Take Five with CNB (Part 5 of 5)

4 Phishing Scams. Keep your Money Safe, Learn Red Flags of Phishing.