Don't make deposits or cash checks for someone you don’t know – and be sure to monitor your account activity for suspicious deposits. You may be given immediate access to the funds, but checks or deposits can still be returned unpaid.
If you’re approached by a stranger to cash a check because the person claims to not have an account or an ID with them, it may be a scam. The bad check will be held against your account when it doesn’t clear.
Sign up for account activity alerts so you know what's going on with your account and can take action when needed.