Banking - Resolving Problems

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Beware: Fake Check Scams

 Fake checks, including cashiers checks, can look so real even bank tellers can be fooled. However, just because you can withdraw the money, doesn't mean the check is good. Forgeries can take weeks to discover. You are responsible for the checks you deposit. If a check bounces, you owe the bank any money you withdrew. If someone wants to send you a check, insist on a cashier's check for the exact amount, preferably from a local bank or one with a branch in your area. Never accept a check and then agree to send a portion of the money back to the sender. For information or to report a scam, visit fakecheck.org or call toll-free 1-800-876-7060.

Unsolicited Checks And Credit Offers

If you cash an unsolicited check you've received in the mail, you could be agreeing to pay for products or services you don't want or need, such as Internet access or membership in a web directory. In addition, those "guarantees" for credit cards or loans, regardless of credit history, are probably a scam. Legitimate lenders never guarantee credit. For information on how to identify fraudulent solicitations, contact the Federal Trade Commission.

Legitimate offers of credit often come in the form of "convenience checks", which credit card companies enclose with your monthly statement. However, these convenience checks may carry higher fees, a higher interest rate, and other restrictions. If you don't want the checks, be sure to shred them to protect yourself from dumpster divers and identity thieves.

Contact these Agencies to Solve Your Banking Problems 

 
State chartered banks and trust companies that are members of the Federal Reserve System are covered by the Federal Reserve System.State chartered banks that are NOT members of the Federal Reserve System are regulated by the Federal Deposit Insurance Corporation.State chartered banks are also regulated by state banking authorities.
Banks with National in the name or N.A. after the name are regulated by the Comptroller of Currency, U.S. Department of the Treasury.Federal savings and loans and federal savings banks are regulated by the Office of Thrift Supervision, Department of the Treasury.Federally chartered credit unions are regulated by the National Credit Union Administration.