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Home >> Scams/Fraud
Receives Mystery Check: What to do?
I received a check in the amount of $9,500 from EVERTRUST Bank, 21707 Colby Ave. Ste.A, Everett, WA 98201; Pay to the order of myself. Numbers at bottom of check=947124 - xxxxxxxxx - 91100000025. The check was dated 02/16/09 and the number at right top: 947124.
I do not know where it came from; it was in an envelope with no return address. Please let me know something about this. I enter a lot of contests, and I never know if I might win or not, but I don't want to take a chance on a bad check.
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 The check is probably counterfeit. You weren't expecting it. The bank on which it purports to be drawn no longer exists. Evertrust Bank was acquired by Keybank National Association (Ohio) in 2004. The dollar amount is one commonly associated with fraudulent checks.
Do not deposit it. If you do so, and the check is returned unpaid, you will be liable to your bank for the amount of the check, and your bank may be unwilling to continue doing business with you. It's risky doing business with check fraud victims.
There are two ways you can determine for certain that the check is fraudulent. Tell your bank of your suspicions and ask that they take the check not for deposit, but for collection. That will require the payment of a fee, but it could be a lot less expensive than depositing the check and having it bounce back to you. The second option is to contact Keybank, describe the check, and ask if it is any good. That's the way to go if you want to hear it straight from the source.
Published on BankingQuestions.com 3/23/09
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