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We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

Learn how the CFPB can help you

Why do I have to pay the bank/credit union back if a check I deposited turns out to be fraudulent?

Answer:

Your bank or credit union is entitled to recover funds that were fraudulently transferred and to take steps to reverse a fraudulent transaction.

If your bank or credit union credited your account fraudulently, the bank or credit union can remove the funds from your account. If you believe you have been targeted by a scam, you should file a complaint with the Federal Trade Commission .

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The content on this page provides general consumer information. It is not legal advice or regulatory guidance. The CFPB updates this information periodically. This information may include links or references to third-party resources or content. We do not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs.