Too Good to Be True? The Fake Check Scam Targeting Young Adults on Social Media

  • June 23, 2025
  • Marista Hohnesse, CoVantage Fraud Department

In today’s digital world, social media is more than just a place to share photos and connect with friends. It has also become a hotspot for scammers. One of the most deceptive scams targeting young adults is the fake check scam. It often begins with a flattering message and ends with a drained checking or savings account. 

How the Scam Works 

You receive a direct message from someone who seems trustworthy. It could be an artist offering to buy your photo, a brand proposing a paid promotion, or a recruiter with a remote job opportunity. They offer to send you a check for your time or services. Once the check arrives and you deposit it, they ask you to send a portion of the money back. The reason might be for supplies, shipping, or processing fees. 

Here’s the catch: the check is fake. The check may appear to clear at first, but once your financial institution discovers the fraud, the funds are reversed. You are left responsible for the full amount, including any money you sent to the scammer. 

Why It Works 

This scam relies on trust and urgency. The check looks real. The story sounds believable. The pressure to act quickly can override your better judgment. According to the Federal Trade Commission, these scams are increasingly common among young adults who are active on platforms like Instagram, TikTok, and Snapchat. 

Red Flags to Watch For 

  • Overpayment: The check is for more than agreed, and you are asked to send the difference back. 

  • Urgency: You are told to act fast before the financial institution holds the funds. 

  • Untraceable Transfers: You are asked to send money via wire transfer, gift cards, or payment apps. 

  • Unrealistic Offers: The opportunity seems overly generous for minimal effort. 

What You Can Do 

  • Pause and Verify: If someone sends you a check and asks for money back, it is a scam. 

  • Talk to Your Credit Union or Bank: Before depositing any unexpected check, ask your financial institution to verify it. 

  • Report It: If you have been targeted, report the scam to ReportFraud.ftc.gov and your financial institution. 

  • Spread the Word: Share this information with friends and family, especially those new to managing their own finances. 

Final Thoughts 

Scammers are getting smarter, but so can we. By staying informed and cautious of unsolicited offers, we can protect ourselves and others. If something feels too good to be true, it probably is.