Hi Beatrice,
I've received a bank scam like that in my postal mail last year, scammers sending a big fake check, asking me (or other innocent people) to cash it and send them the money. So I called the bank because there was a letterhead logo at the top of the page. The bank said they were aware of scammers using their bank name but couldn't do anything about it. They explained to me on the phone what you just said, if you cash the check and get the money, the check will be no good and you won't get any deposit from it, and then you'll be sending your money to the scammers AND you'll get charged a big overdraft fee. So you'll lose twice, 2 big losses adding up to one huge loss.
Here's something to remember: Big REAL checks are NOT just sent thru the mail in an envelope. If someone is sending a large amount of REAL money, they would send it by registered mail or FedEx or AirborneExpress or something like that, NOT just regular 4-day mail without proof of delivery.
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