5 Money Transfer Scams You Should Know & How to Stay Safe
Let’s be honest, sending money these days is super easy. Whether you’re paying a bill, helping out a relative, or using an app for check cashing, it all happens in a few clicks. But, sadly, scammers are everywhere. They’re clever, and if you’re not careful, your money could end up in the wrong hands.
This post is just a heads-up. These five scams happen more often than you think. If you’ve ever sent money or cashed a check, this is worth a quick read.
5 Common Money Transfer Scams You Need to Know
1. Fake Bank Emails
So here’s the scene: you open your email and see something that looks like it’s from your bank. Maybe it says something dramatic like “unauthorized login attempt” or “verify your account now.” Sounds serious, right? That’s the trick.
These emails are usually fake. They look real, but the links go to scam websites that steal your info.
Tip: If something feels off, don’t click. Just open your bank’s app. That’s the safest way to check if something’s wrong.
2. Overpayment Scams
Here’s how this one works: you’re selling something online. The buyer sends a check, maybe even more than what you asked for, and says, “Hey, sorry, I sent too much; just send the extra back.”
And you do. But a few days later? The check bounces. Now you’re out the money, and you’ve paid the scammer.
Tip: If someone overpays you with a check, wait. Don’t send anything back until you know the check cleared fully.
3. Fake Check Deposit Scams
This one’s sneaky. Someone sends you a check for something random, maybe they say it’s a refund or a job advance. They ask you to cash it and send some of the money back.
Thing is, the check looks real at first. It might even “go through” for a day or two.
But then—surprise—it bounces.
Tip: Don’t cash checks from strangers. If it seems random or out of the blue, it’s probably a scam.
4. Fake Family Emergencies
This one’s dirty because it plays with your heart. You get a call or message saying, “It’s me, your nephew—I’m in trouble, I need money now.”
They might even know their name. The story will sound urgent—an accident, bail, hospital bills—you name it.
Tip: Always pause. Hang up and call the real person directly. If they’re truly in trouble, they’ll answer. Don’t rush into sending money because of pressure.
5. Refund Scam
This one’s common on Facebook Marketplace or Craigslist. Someone “buys” something from you, sends a fake payment, then says, “Oops, I need a refund.” You send it—and the original payment never clears.
You’re left with nothing.
Tip: Always check that the money actually landed before you send anything back.
How to Transfer Money Safely – With or Without a Bank
You don’t need a bank account to move money these days. Seriously. Services like Cheque Express let you handle transfers, bill payments, and check cashing without dealing with a traditional bank.
It’s perfect if you want something local, fast, and secure.
Why Use Cheque Express for Secure Money Transfers?
If you’ve ever been nervous about where your money’s going, Cheque Express takes a lot of that stress away. Here’s what they do right:
- You verify your ID in person, so there’s no guessing games.
- You get real receipts, and you can track where your money goes.
- The fees are fair—no crazy surprises.
Plus, it’s convenient. Whether you’re sending money to another city or just need a check cashed, they make it simple.
What the Cheque Express App Can Do for You
The Cheque Express app isn’t just another money app—it’s designed to actually help people manage their money on the go.
Fast and Easy Sign-Up
No long forms or confusing steps.
Secure ID Verification
Extra layers of security to protect your info.
In-Store Promo Code for Instant Savings
Yep—using the app can actually save you money in-store.
Access Your Check Cashing History
Need to check what you cashed last week? It’s all in there.
Find the Nearest Cheque Express Location
Search “cash transfer services near me” and you’re good to go.
Step-by-Step: How to Send Money or Cash a Check with Cheque Express
1. Open the app and find your nearest location
2. Bring a valid ID and your check/payment info
3. Choose between domestic or international transfer
4. Pay in cash
5. Get your receipt and confirmation
Done in minutes. No stress, no long waits.
Final Tips to Stay Safe from Scams
- If someone’s rushing you—pause. That’s usually a red flag.
- Only use trusted services like Cheque Express
- Don’t cash random checks from strangers
- If it feels off, trust your gut. Ask questions, take your time.
Don’t Miss Out – Download Our Check Cashing App Today!
If you haven’t tried the Cheque Express app yet, now’s a great time. You can do so much more than just cash checks—it helps you manage money smarter, and saves you time.
- Limited-time promo codes available inside the app
- Easy transfers
- Safe and secure every step of the way
Frequently Asked Questions
Yes. Just bring cash and a valid ID—we’ll take care of the rest.
Definitely. We verify identity in person, give you a receipt, and track everything.
Use the app or check our Store Locator online. Easy!
Just a few minutes. Most transactions are completed quickly while you wait.
We accept cash payments at our store locations.
