Mail theft might not be something you think about every day, but it can happen—and when it does, it can lead to financial loss and identity theft. Criminals often target mailed checks, account statements, or personal documents to gain access to sensitive information. Being proactive and vigilant can help protect you, your finances, and your peace of mind.
What Mail Theft Is
Mail theft occurs when someone illegally takes mail from a mailbox or mail drop before it reaches the intended recipient. This can include stealing checks, account statements, bills, or personal documents. Stolen checks may be altered or cashed fraudulently, and the information contained in stolen mail can be used for identity theft.
Prevention Tips to Keep Your Mail Secure
There are several practical steps you can take to reduce your risk of mail theft:
Prompt Mail Retrieval
Pick up your mail as soon as possible after delivery. Leaving mail in your mailbox overnight or for extended periods increases the chance of it being stolen.
Use Secure Drop-Off Locations
When sending checks or important documents, deliver them directly to your local post office or hand them to a trusted postal carrier. Avoid corner mailboxes or unsecured outgoing mailboxes.
Keep an Eye on Your Accounts
Regularly review your accounts through Digital Banking or on mobile apps. If you notice any unusual activity—no matter how small—contact your financial institution immediately to help protect your finances.
Skip Sending Cash
Never send cash or valuable items through the mail. If you need to transfer money, consider secure digital options or money orders instead.
Consider Enhanced Mail Services
For essential or time-sensitive mail, services like USPS Hold Mail, Certified Mail, or signature confirmation can provide extra protection and peace of mind.
What to Do if Your Mail or Checks Are Stolen
Even with precautions, theft can still occur. If you suspect mail theft:
- Contact your financial institution immediately to report stolen or altered checks so your bank can place holds, monitor accounts, or issue stop payments.
- File a police report to provide an official record and help law enforcement track patterns of criminal activity.
- Notify the U.S. Postal Service through their website or at your local post office to report mail theft or tampering.
- Monitor your accounts closely for unauthorized activity and report anything suspicious immediately.
Stay Vigilant
Mail theft is preventable when you take proactive steps. Using secure mailing methods, monitoring your accounts, and acting quickly if theft occurs can safeguard your personal information and finances. By staying vigilant, you reduce the risk of being a victim and ensure your financial information remains protected.