---
title: "Busey Bank | Check Fraud in the Digital Age: Why an Old Scam Still Threatens Modern Businesses"
description: Busey Bank's Money Matters blog shares tips for spotting and preventing check fraud in the digital age.
---

[Busey Money Matters Blog](https://moneymatters.busey.com)

# [Busey Bank | Check Fraud in the Digital Age: Why an Old Scam Still Threatens Modern Businesses](https://moneymatters.busey.com/busey-bank-check-fraud-in-the-digital-age-why-an-old-scam-still-threatens-modern-businesses)

 Written by [Busey Bank](https://moneymatters.busey.com/author/busey-bank) | Sep 14, 2026, 3:15:00 PM

When most business transactions happen electronically, it's easy to assume paper checks are becoming a thing of the past. But despite advances in digital banking and payment technology, check fraud remains one of the most persistent—and costly—forms of financial crime affecting businesses today.

Criminals have adapted traditional check fraud schemes to today's digital environment, using sophisticated technology to counterfeit, alter and misuse checks with greater speed and precision than ever before. For businesses that continue to issue or receive checks, understanding these evolving threats is an important part of protecting both your finances and operations.

**What Is Check Fraud?**

Check fraud occurs when someone illegally uses, alters or creates checks to obtain money or goods. While the methods vary, some of the most common schemes include:

For businesses, these incidents can result in financial losses, operational disruptions and significant time spent resolving fraudulent transactions.

**How Check Fraud Has Evolved**

Today's fraudsters no longer rely solely on stolen checkbooks or handwritten alterations. High-resolution printers, graphic design software and digital imaging tools have made it easier to produce convincing counterfeit checks that may be difficult to detect at first glance.

Mail theft has also been an ongoing concern. Criminals frequently target outgoing business mail to obtain checks containing valuable account information, including routing and account numbers. Once that information is compromised, it can be used to create counterfeit checks or facilitate additional fraudulent activity.

In many cases, criminals combine traditional check fraud with digital tactics, allowing them to move stolen funds quickly before businesses realize a problem exists.

**Steps Businesses Can Take**

While no organization is immune to fraud, businesses can reduce their risk by adopting strong payment security practices:

Regularly reviewing payment processes and updating fraud prevention practices can help businesses stay ahead of evolving threats.

**How Busey Can Help**

Fraud prevention works best when businesses combine sound internal controls with the right banking tools.

While check fraud has changed with technology, proactive planning remains one of the most effective ways to reduce risk. By understanding today's threats and implementing layered security measures, businesses can better protect their finances, employees and customers from fraud.

Busey's Treasury Management team offers solutions designed to help businesses strengthen payment security and identify suspicious activity before it results in financial loss. Services such as Positive Pay, ACH fraud controls, account monitoring tools and treasury management support can help businesses build a stronger defense against evolving fraud schemes. To learn more about how Busey can help you safeguard your business, visit [**busey.com/treasurymanagement**](https://www.busey.com/business/products-and-services/treasury-management).

If you believe you’ve been the victim of fraud or a scam on a Busey account, contact our[Treasury Management Support](https://www.busey.com/busey/customer-care/contact-us) team, reach out to your Relationship Manager or follow [these steps](https://www.ic3.gov/PSA/2025/PSA251125) outlined by the FBI Internet Crime Complaint Center. For more information, you can also read our [Fraud Prevention FAQs](https://www.busey.com/busey/customer-care/fraud-prevention-faqs), check out our [Fraud Prevention Toolkit](https://moneymatters.busey.com/fraud-prevention) or view our [Payments Fraud Trends & Prevention](https://online.fliphtml5.com/oppj/2512_SS_FraudPrevention_External_F/#p=1) booklet. 

[View full post](https://moneymatters.busey.com/busey-bank-check-fraud-in-the-digital-age-why-an-old-scam-still-threatens-modern-businesses)

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