Fraud and Scams
Fraud remains a persistent challenge for the industry, threatening operational integrity and undermining consumer confidence. ICBA provides advocacy, education, and technology-driven solutions that help community banks recognize and respond to emerging schemes while strengthening internal defenses and safeguarding customers to support effective fraud detection, prevention, and risk management enterprise wide.
Check Fraud Resources
Check fraud has emerged over the past several years as a leading concern. Mail theft, increasingly sophisticated mechanisms for altering paper checks and check images, and coordination problems among financial institutions have led to mounting losses for community banks. Keep your consumers educated on how to prevent and respond to check fraud with this flyer from ICBA and the USPIS.
Check Fraud: Engagement With Federal Bank Regulators
This guide was developed by community bankers working together as part of ICBA’s Check Fraud Task Force. This document offers suggestions on when to contact regulators, how to frame feedback, and where to direct your communication based on the experiences of peer community bankers.
Check Fraud Guide
This guide is a resource to help community banks both minimize the incidents of check fraud related to altered, forged, and counterfeit checks and take appropriate steps to recover funds or otherwise minimize loss, when it does occur.
Positive Pay Guide
Positive pay and reverse positive pay are effective tools community banks can use to help prevent, detect, and mitigate check and ACH fraud.
Check Fraud: Detection
Understand the potential technology solutions and operational mechanisms that are available to community banks to detect instances of check fraud. This is a reference for community banks to evaluate tools and leverage internal practices to identify and prevent check fraud.
ICBA Advocacy keeps you in the fight.
As fraud and scams become increasingly complex across checks, electronic payments, and emerging payment mechanisms, you need a partner fully invested in safeguarding and empowering community banks. ICBA Advocacy is here to help.
Positions and Backgrounds
Letters and Testimonies
Press Releases and News Articles
Staff Subject Matter Experts
ICBA Education makes your team stronger.
ICBA Education includes fraud, cybersecurity, and BSA/AML training tracks; a multi-day fraud seminar; check‑fraud toolkits and detection guides; two professional certifications, and webinars and alerts on emerging threats. Find training on fraud prevention in your desired learning style: webinars, online courses, publications, events and programs.
Bank Security Certification
This program is designed to provide the Security Officer, regardless of the location or size of the bank, with critical information to meet regulatory requirements and provide strategic and tactical methods of security, robbery and fraud prevention and risk management.
Enterprise Risk Management Certification
Participants of ICBA's new Enterprise Risk Management Institute will enrich and affirm their knowledge of the risk components that influence a bank’s function and soundness.
BSA/AML Institute
Gain in-depth knowledge, resources, and peer networks to effectively manage your BSA/AML function or audit this function properly.
Fraud Conference
Don't miss this fast-moving seminar that will prepare you to identify and protect your bank's reputation and assets.
ICBA Innovation strengthens your defense.
Through ICBA Innovation, gain access to vetted fraud‑mitigation solutions—identity verification, authentication tech, and modern check‑fraud detection tools—built especially for community banks. Also, ICBA members can find fraud‑prevention support through ICBA Payments’ Fraud Loss Protection Plan and elder financial abuse prevention tools through ICBA CRA Solutions.
Reduce Fraud Losses with FLPP
ICBA Payments’ exclusive Fraud Loss Protection Plan (FLPP) helps your bank recover losses from fraud.
ICBA ThinkTECH Solutions Forum - Fraud
Hear from several fraud solution providers during this 90-minute session to learn how community bankers and bank technology providers are helping battle the ever-changing fraud landscape.
Solutions for Any Issue
Whether you're looking for best practices, partner opportunities, or practical strategies to combat fraud, our partners have a solution for any problem your bank may face.
Marketing Content Calendar Highlights
Prepare in advance for these calendar events. Download free marketing and communications assets.
Safer Internet Day Tuesday
February 10, 2026
World Elder Abuse Awareness Day
Monday, June 15, 2026
Cybersecurity Awareness Month
October 2026
See what community bankers are saying about fraud
Gain insights directly from peers within ICBA Community—the only national professional network developed for community bankers.