Protecting Your Payments: How to Safely Use Paper Checks (and What to Do Instead)

Paper checks are still a trusted way to make payments, but they can also be an easy target for fraud if not used carefully. Whether you're paying rent, sending a gift, or covering a bill, it’s important to take steps to protect your money.

Here’s how to mail checks safely and some more secure payment alternatives to consider.

✅ Tips for Mailing a Paper Check Safely:

Use a Security Envelopes: Choose envelopes that conceal the contents to prevent theft.
Avoid Mailboxes for Outgoing Mail: Drop checks off inside your local post office rather than using a blue collection box, especially after hours or on weekends.
Write Clearly and Completely: Use permanent ink, spell out the recipient’s full name, and complete all fields with no blank spaces.
Keep Personal Info Private: Don’t include sensitive data like account numbers or Social Security numbers in the memo line.
Track It When Possible: Consider using certified mail or adding tracking for important payments.

⚠️ Be on the Lookout for Check Fraud:

Unexpected withdrawals appear in your account.
A check hasn’t reached its destination or cleared.
You notice altered payees or amounts.

If you suspect anything unusual, contact us right away at 800-433-9727.

🔒 More Secure Payment Alternatives:

Online Bill Pay: Make one-time or recurring payments through AltaOne’s online and mobile banking platform.
Peer-to-Peer Transfers: Send money directly and securely to people you trust.
Debit or Credit Card Payments: Added fraud protection and ease of dispute resolution.
ACH Transfers or Direct Deposit: A safe way to manage regular payments like rent or recurring bills.

🛡️ Final Thoughts:

Paper checks can still be a reliable option, but using them with care is key. Safer digital payment methods offer convenience and extra layers of protection.

Have questions about sending payments safer? Call us at 800-433-9727, visit AltaOne.org or stop by any AltaOne branch..