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Check Endorsements & Check Fraud

Why It Matters

Even as digital banking options grow, many of our Maple FCU members appreciate the reliability and straightforward nature of paper checks. We get it—checks are familiar, secure in their own way, and offer a tangible record of your transactions. Still, it’s important to handle them with care. Proper check endorsements are a simple step that can help protect your funds and keep everything running smoothly.

What’s an Endorsement?
Endorsing a check simply means signing the back, letting the credit union know you’re the rightful recipient. You can also add instructions, like “For deposit only to account #XXXX,” to ensure that the money goes exactly where it’s intended—no guesswork, no confusion.
 
Keeping Your Checks Safe from Fraud
Checks may seem straightforward, but without proper endorsements, there’s a risk someone else could claim them. By taking a few extra seconds to endorse correctly, you help prevent anyone from altering or misusing your check. Consider it one small but mighty step in safeguarding your finances.
 
A Few Smart Steps to Follow:
  1. Wait to Endorse: Sign your check just before depositing it, whether you’re visiting us at a branch or using a mobile app.
  2. Be Specific: Adding “For deposit only” and your account number makes it clear where the funds should go.
  3. Stay Vigilant: Keep an eye on your accounts and report any suspicious activity right away.

We’re Here to Help

At Maple FCU, we understand that checks remain a trusted tool for many members. If you ever have questions about proper endorsements or detecting fraud, don’t hesitate to ask. We’re here to guide you and ensure that every financial step you take feels comfortable and secure.
In a world of rapid change, checks remain a steady, familiar option. With the right approach, you can continue using them with confidence, knowing your credit union stands beside you every step of the way.

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