Check Security: Account Details Exposed?

TL;DR

Someone might have seen your bank account number and name from a check. Here’s what to do, from simple checks to more serious steps if you suspect fraud.

1. Understand the Risk

A check contains information that could be misused:

• Account Number: Used for direct debits or fraudulent transactions.
• Routing Number: Identifies your bank, needed with the account number.
• Name & Address: Can be used for identity theft.

The risk level depends on how someone got the check and what they might do with it.

2. Immediate Steps (First 24-48 Hours)

1. Review Recent Transactions: Check your online banking or statements for anything you don’t recognise.
2. Monitor Your Account Daily: Keep a close eye on activity, even small amounts.
3. Contact Your Bank: Let them know what happened. They can flag your account and offer advice. You can usually do this by phone or through their online chat.

3. Enhanced Monitoring (Next 7 Days)

1. Set Up Transaction Alerts: Most banks allow you to receive notifications for every transaction, especially large ones. Here’s how to do it in a typical banking app:

   Settings > Account Alerts > Enable Notifications for Transactions over £X

2. Check Your Credit Report: Look for any unusual activity or new accounts opened in your name. You can get a free credit report from each of the three main agencies (Experian, Equifax, TransUnion) once a year.
   • Experian: https://www.experian.co.uk
   • Equifax: https://www.equifax.co.uk
   • TransUnion: https://www.transunion.co.uk

4. If You Suspect Fraud

1. Report to Your Bank Immediately: They’ll likely cancel your account and issue a new one.
2. Contact Action Fraud: The UK’s national reporting centre for fraud and cyber security incidents.
   • Website: https://www.actionfraud.police.uk
   • Phone: 0300 123 2040
3. Consider a Credit Freeze/Restriction: This makes it harder for someone to open new accounts in your name (check with each credit agency).

5. Preventative Measures

1. Protect Your Checks: Keep them secure and shred old ones properly.
2. Be Careful Who You Pay With Checks: Avoid paying unknown individuals or businesses with checks if possible.
3. Use Online Banking/Payments When Possible: These are generally more secure than writing checks.