Credit cards, debit cards, cash, checks, wires and person-to-person (P2P) payment apps are among the many ways consumers can pay for everyday transactions. To help protect their money from scammers, it’s important for people to understand that how they pay matters — especially when buying something from someone they don’t know or trust.

Checks

Although declining in usage, many people still regularly use checks, particularly for business transactions. Check fraud can happen in various ways, such as writing bad checks, stealing and altering someone else’s check, forging a check, or depositing the same check twice — once through a mobile app and again at a branch.

Here’s what you can do: Never make checks out to “cash.” Use permanent ink and write the amount in both numbers and words. Don

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