This type of scam can take on my variations.  It could be someone is offering to pay you for a service or to buy an item that you advertised for sale.  There may even be an offer that promises an “advance” on some sweepstakes that you have supposed to have won, or to pay for the first installment on the millions of dollars you are going to receive for agreeing to have money from a foreign country transferred into your bank account for safekeeping.

In most instances of fake check scams the one doing the scam will request that you to send money back to them in some way.  What they will do is send you a check for goods or services for more than the amount that is requested.  They will tell you to go ahead and deposit their check and then you are to wire them back the additional money.

In some instances, the scammer will ask you to wire them money for processing, legal fees, taxes, shipping, or any number of other expenses that you are going to have to pay before you will receive your reward or money.  The checks that the scammers will send you will feel and look real no matter if they are a cashier’s check or a personal check.  These checks have even been known to fool a bank teller.  These checks could have been written fraudulently or may be from a legitimate corporation or business.

Here are some things that you should be aware of.

• One thing that you should know is that fraudulent check will clear the bank quickly and the banks have to make the runs available within one to five days but it depends on the type of check.  The money may be available for you to withdraw from but if the bank discovers that it is a forgery a few weeks later and bounce the check.
• Any deposits you make are your responsibility which means that if you deposit a check that bounces the bank will withdraw the original amount of the check that was credited to your account.  If your account does not have enough money to cover it the bank may sue you to recover the money.
• There is no legitimate reason that anyone who is giving you money to ask you to send money back.  Make sure that you insist that the check be in the exact amount or deal in cash.

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