In general, if an identity thief steals your checks or counterfeits checks from your existing bank account, stop payment, close the account, and ask your bank to notify Chex Systems, Inc., (contact information on page 15) or the check verification service with which it does business. That way, retailers can be notified not to accept these checks.
While no federal law limits your losses, if someone uses your checks with a forged signature, or uses another type of paper transaction such as a demand draft, state laws may protect you. Most states hold the bank responsible for losses from such transactions. At the same
You can contact major check verification companies directly for the
TeleCheck at 1-800-710-9898 or 1-800-927-0188
If your checks are rejected by a merchant, it may be because an identity thief is using the Magnetic Information Character Recognition (MICR) code (the numbers at the bottom of checks), your driver's license number, or another identification number. The merchant who rejects your check should give you its check verification company contact information so you can find out what information the thief is using. If you find that the thief is using your MICR code, ask your bank to close your checking account, and open a new one.
If you discover that the thief is using your driver's license number or some other identification number, work with your DMV or other identification issuing agency to get new identification with new numbers.
Boca Raton Police Services Department | 100 NW Boca Raton Blvd | Boca Raton, Fl 33432 | 561.338.1234 | 911 for Emergencies