Money & Investments
Check overpayment
Someone paying you — for something you are selling, a part-time job, or a 'mystery shopper' gig — sends a check for more than they owe and asks you to send back the difference. Days later the check bounces, the bank takes the full amount back out of your account, and the money you sent is gone. Banks often make funds 'available' before a check truly clears, which is what makes this trick work.
What it looks like
Example scam message“I mailed the check but my assistant wrote it for $2,950 instead of $450 by mistake. Please deposit it and wire the $2,500 difference back today — and keep an extra $50 for your trouble.”
Details like names, amounts, and links change — the pattern stays the same.
Red flags to watch for
- A check for more than the agreed amount, with a story about why.
- Instructions to wire back the extra, buy gift cards, or send cash quickly.
- A buyer or 'employer' you have never met who is in a big hurry.
- Funds showing as 'available' in your account — that does not mean the check is good.
What to do
- Never send money back from a check you just deposited.
- Ask your bank teller when the check has fully cleared — that can take weeks, not days.
- If you are selling something, insist on the exact amount, or use a safer payment method.
- If you already wired money, call your bank immediately.
Where to report it
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ShieldGuard provides informational guidance to help you spot likely scams. It is not legal or financial advice and not a guarantee — no tool catches every scam. When money is involved, slow down and talk to someone you trust before acting.