Someone wants to give me a check over the internet to deposit into my account. If I have a checking and savings account, can they access both? or can they just get to one account?

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    They can't access either; that's why they're sending you a check.
    – RonJohn
    Feb 24, 2021 at 16:20
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    if they are asking for your username and password, this is a scam, and they do intend on taking your money Feb 24, 2021 at 16:25
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    @Grade'Eh'Bacon "I think there is more here than Letia has included in the question". The more is that OP is naive and ignoring rule #1 of computer security due to greed, naivete or both.
    – RonJohn
    Feb 24, 2021 at 16:29
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    Why would you give them your user and password? Are you allowed to do so? Most banks say you are forbidden to share these details. Feb 24, 2021 at 17:29

2 Answers 2


There are a few ways this could be used in a scam:

  1. You deposit the check and they want some of the money back, then the check bounces sometime later and you are on the hook for the money. This is an advance fee scam.

  2. If they want any of your credentials (login/PW/Security info) for your account, then they want to use it to steal your identity, money or both.

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    See comments to OP's question - they are being asked for bank account login and password Feb 24, 2021 at 17:26

The deposit of the check, when the cancelled check or an image of it (quite likely rejected for insufficient funds eventually) is provided to the bank of the person sending the check, provides the scammer with your routing number and account number.

This information, in turn, can be used to make a counterfeit check or an equivalent fraudulent electronic transfer via an ACH payment, usually without a login, password or security information.

This is a way you can be defrauded in this scheme in addition to the two other methods identified by @JohnFx in his answer, and is not exhaustive.

Yet another possibility would be to use knowledge of the routing number and account number for one account, together with additional information that can be obtained, for example, through Facebook surveys and comments and from public records and credit reports obtained illicitly, to leverage that information into obtaining a new login and/or password from the IT people for the bank to gain access to your other accounts.

Of course, the fraudsters can skip all of that work if they get your username and password. At that point, relief from the bank from fraudulent activity is much more difficult to secure, all of your accounts are exposed, and since most people are not very original in establishing different passwords for every account, the odds that other accounts will be compromised as well surges.

Once your Social Security number and security question answers are obtained by gaining access to your online account, their ability to penetrate other accounts that you may have with other institutions is greatly increased.

Frequently the perpetrators are in locations that are effectively beyond the jurisdiction of U.S. and/or E.U. authorities, so, your prospects for after the fact relief can be bleak.

As correctly noted in the comments:


They have done this hundreds of times and know ways to defraud you that you haven't imagined.

  • Lots of discussion here with some value, but the most important point is that the scammer asked for login details - very different than the minimized risk of handing over a cheque (after all - anyone you legitimately by check has the same details). Feb 24, 2021 at 18:37
  • ohwilleke, VERY SHORT answers are best for folks who are being scammed.
    – Fattie
    Feb 24, 2021 at 19:17
  • @Grade'Eh'Bacon The relevant comment is in the form of a question, so it isn't entirely clear what the facts are and it is important to address it more fully as the Q&A is not so much for the individual affected as it is for all people in similar situations.
    – ohwilleke
    Feb 24, 2021 at 22:10

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