Check overpayment scams

Don’t wire money back

Checking overpayment scams are sneaky, costly, and surprisingly common — especially in online sales, freelance work, and small business transactions. Let’s break down how they work and how you can protect yourself:

What Is a Check Overpayment Scam?

This scam usually happens when you are selling something online or in the newspaper. A buyer will send a check to pay for the item, but the check will be for a larger amount than you asked for. The scammer will tell you that they made a mistake; and ask you to deposit the check to your account and send the extra money back to them, often by wire transfer, gift cards, or another method. Later, the bank will tell you that the check is fake and the deposit is reversed. You usually cannot get back the money refunded or the items that you’ve sent to the scammer.

Red Flags to Watch For

Overpayment with a check, money order, or stolen credit card
Requests to refund the difference quickly
Pressure to act fast or keep the transaction secret
Refunds requested to a different account or person

Buyer offers to cover transaction fees or seems overly eager

Tips to Protect Yourself:

Only accept payment for the exact amount — no exceptions.
Wait for checks to clear before issuing refunds or shipping items.
Refund only to the original payment method — never to a third party.
Use address verification services (AVS) to confirm billing info.
Be cautious of buyers who insist on using specific payment processors.
Don’t rush large transactions — trust your gut and take your time

If You’re Targeted

Stop communication with the scammer
Notify your bank immediately
Report the scam to the FTC, local law enforcement, or your state’s consumer protection office
Keep all emails, texts, and transaction records as evidence

These scams often prey on kindness and urgency — but with a little skepticism and a few smart habits, you can shut them down before they start.

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