How to Tell If a Check Is Real or Not

1. Examine the Check's Paper Quality
A legitimate check is printed on high-quality paper that feels distinct from regular paper. Counterfeit checks often use standard or inferior paper. Rub the surface of the check—authentic checks usually have a slightly rough texture due to the special printing processes used.

2. Verify the Check Number and Details
Checks come with a check number, routing number, and account number. Make sure these numbers are printed clearly and consistently. Compare the check number to the issuer's previous checks if possible. Fraudulent checks often have discrepancies in these numbers.

3. Inspect the Check's Microprint
Real checks feature microprint around the signature line or in other areas. This microtext is nearly impossible to replicate accurately with a standard printer. Use a magnifying glass to examine these tiny characters. If they appear blurry or indistinguishable, the check may be fake.

4. Check for Security Features
Modern checks include various security features such as watermarks, color-shifting ink, and security threads. Hold the check up to the light to check for a watermark. Look for color-shifting ink by tilting the check. If the check lacks these features or they seem off, it might be counterfeit.

5. Look for the Bank's Contact Information
Verify the bank's contact information printed on the check. Call the bank directly using a verified phone number (not the one on the check) to confirm whether the account and routing numbers are legitimate. Be cautious if the contact information is outdated or incorrect.

6. Confirm the Check’s Origin
Ask the issuer for additional information about the check's origin. If the issuer is a business, verify their address and contact details. If they are an individual, check their background and any claims they make about the check.

7. Analyze the Check’s Date and Signature
Check the date on the check and ensure it is not post-dated or stale. Authentic checks should have a valid date and be signed correctly. A forged signature or an old date can be a red flag.

8. Use Online Check Verification Tools
Several online tools can help verify checks by analyzing the account and routing numbers. Enter the information into these tools to check for any inconsistencies. However, be cautious and use reputable services.

9. Watch for Unusual Circumstances
Be wary of checks that come with unusual or urgent requests, such as needing immediate deposit or cashing. Scammers often create a sense of urgency to pressure individuals into accepting fake checks.

10. Seek Professional Advice
If you have doubts about a check's authenticity, consult with a financial advisor or bank professional. They can offer additional expertise and resources to help you determine if the check is real or not.

By following these steps, you can better protect yourself from fraudulent checks and ensure that you handle legitimate payments confidently.