Frequently Asked Questions

I’ve received a check in the mail and I’m unsure of its authenticity. Should I just deposit it anyway?

No. Please bring the check into one of our branches and explain the situation, including how you received the check, if you’ve been dealing with anyone regarding this check, and whether or not you were expecting to receive it. Request that the Financial Specialist confirm whether the item is valid. If there is any doubt, or if the item is unable to be verified at that time, it is best to not deposit the item until confirmation of the item can be obtained. If you deposit a check into your account, and the check returns, you will be responsible for any negative balance that may occur as a result.

If you have received a check that you were not expecting, or the maker of the item differs from the identity of the person or business with whom you have been involved, this is most likely a scam and the check is counterfeit. If you have received instructions with the check to deposit it, and then withdraw a portion of the funds to send to someone else (either by Western Union, cash, or some other form of electronic transfer), this is also a strong indicator that this is a scam and the check is not valid. You should never be given a check for more than what is due or owed, along with a request to send the difference to another party. Keep the following in mind:

  • If you are receiving payment for something sold online, it should always be for the exact amount owed.
  • If you have been hired as a secret shopper, a nanny, or any other job which you’ve found online, you should not receive payment for any work upfront. Payment is due after work has been completed. Also, it is best to deal only with trusted individuals/companies with whom you have had direct, in person, contact when accepting any kind of job via the internet.
  • You have not won the lottery. Especially if it’s for a lottery you did not enter and it’s outside of the United States (example: Nigeria).
  • There are many marriage/relationship scams as well. Please be cautious if you meet someone online, especially if money is being requested, or if you’re unable to meet in person.

To report check fraud, contact the US Postal Inspector at: You may also contact the Attorney General at:, the Federal Trade Commission (FTC) at: or your local police department.

Federally insured by NCUA |  Equal Opportunity Lender  |  © 2019 Fitzsimons Credit Union  |  303-340-3343  |  1-800-933-5839

Fitzsimons Credit Union recognizes the importance of ensuring our website is accessible to all users. We are in the process of redesigning our site in accordance with the requirements of the Americans with Disabilities Act (ADA) and will be publishing updates to the website within the next several months so that our content is readable via non-graphical, text-only browsers. We appreciate your patience during this process. links to third party websites that may not be controlled or owned by Fitzsimons Credit Union. Fitzsimons Credit Union may not be responsible for the content of the alternate web site neither does it represent either the third party nor the member if the two enter into a transaction. Fitzsimons Credit Union does not represent either the third party or member if a transaction is entered. Privacy and security policies may differ from those practiced by

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