Sept. 9, 2025
Use gel pens to avoid check washing
Did you know criminals steal mail looking for checks they can alter? It is called check washing. They dip checks in acetone to dissolve the ink. If you use a gel pen, the ink does not dissolve because the ink in gel pens permeates the paper fibers and is more resistant to chemicals used to erase ink compared to traditional ballpoint pen ink.
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Disclaimer: The information contained in this podcast is intended for informational purposes only and is not a substitute for individual professional / legal advice. The podcast information was carefully compiled from vetted sources and references; however, R.O.S.E. Resources / Outreach to Safeguard the Elderly cannot guarantee that you will not fall victim to a scam.
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WEBVTT
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This program is designed to provide general information with regards
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to the subject matters covered. This information is given with
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the understanding that neither the hosts, guests, sponsors, or station
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are engaged in rendering any specific and personal medical, financial, legal, counseling,
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professional service, or any advice. You should seek the services
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of competent professionals before applying or trying any suggested ideas.
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The information contained in this podcast is intended for informational
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purposes only and is not a substitute for individual professional
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legal advice. The podcast information was carefully compiled from vetted
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sources and references. However, Rose Resources outreach to safeguard the
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elderly cannot guarantee that you will not fall victim to
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a scam. Let's talk about scams. It's the must listen
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show for anyone who wants to protect themselves and their
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loved ones from scams. Every Tuesday at am Pacific time
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on K four HD Radio, Joyce Petrowski, founder of Rose,
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and her guests will provide valuable insights and practical tips
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on how to recognize and protect yourself from scams. And
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now here is your host, Joyce Petrowski.
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Good Morning, everybody, welcome to Let's talk about scams. I
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am Brian Watson, community outreach specialist for Rose and I
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am filling in for Joyce today. Thank you for joining us.
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Hopefully you will enjoy today's show. We are going to
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go a little bit old school. We're not talking technology
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today like we normally talk about. We're talking about a
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scam that's a little bit old school and you'll find
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out why really quickly. So I work part time for Rose,
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and I've had the privilege of working for Rose for
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the last two years. One of my other part time
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jobs is I teach a course at the University of
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Arizona in Tucson, Arizona. The course is called White Collar Crime.
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It's a lot of fun. I have amazing students. I've
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taught the course twice and in twenty twenty four, I
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brought in a guest speaker named Paige Hanson and Page
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is a cybersecurity expert. She has a very big web presence.
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She does a lot of educational videos, very entertaining, very
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smart person. And I brought Paige in to speak to
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my class at the u of A. And by the way,
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Page also happens to be on the advisory committee for Rose.
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So that's how I met her in the first place.
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And in this class at u of A, I bring
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in a guest every single week because you know, I
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don't want my students to have to listen to me,
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you know, two days a week. I like to bring
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in a guest who knows more about a subject than
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I do. So Page came in to the class and
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she spoke about scams and cyber and protecting yourself and
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a lot of really great tips, especially you know, smartphones,
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privacy settings and things like that. And then she did
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a demonstration where she had some checks and she cut
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them up, and she set up some stations around the
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classroom and with little containers, and each container she poured
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a little bit of actone, basically another name for nail
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polish remover, and she had the students right on the
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checks with a couple of different types of pens, and
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the students could put the checks inside the acid tone
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and then let them sit for a while. And it
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was really cool demonstration because one anytime you can do
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a hands on demonstration in a classroom, it always makes
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things better. But this is what happened. We put the
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checks inside the acetone and on some of the checks,
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the ink just started to dissipate and go into the
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acetone and disappear. And then on some of the checks
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the ink stayed. You know what was the difference. Well,
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if you just use regular ballpoint pen ink, that ink
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is dissolved by the acetone and disappears. And criminals do
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this because what they do is they can get a
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check and they'll steal it out of the mail or
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some other place. They'll put the check inside the acetone.
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Everything will dissolve and then they'll change the paye. So
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instead of writing a check to a utility company or
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to a family member, they can write the check to themselves.
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They can also change the dollar amount. But this was
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interesting as well. The ink from the gel pens did
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not dissolve. It maintained its integrity, which was really interesting
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and it was news to me. And again that's why
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I bring smart people into my class at the University
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of Arizona. So what makes gel ink different. The ink
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in gel pens actually permeates the fibers of a paper,
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It goes down into it and is more resistance to
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chemicals that erase inc compared to a traditional ballpoint pen.
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And so What is a gelpen. Well, here's one right here.
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It looks just like a regular pen. You can buy
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it at the store. It writes the same way, but
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it actually as gel inc. It's just a it's a
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it's it's a better type of ink. It's it's got
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the properties that will, like I said, permeate the fibers.
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Here's a pack that I'd used in the classroom this
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past year when I did the similar demonstration. So if
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you use gel pens, it offers an extra layer of
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defense against what's called checkshing. Checkwashing is when criminals take
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a check, put it in acid tone or there's there's
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other chemicals that will work as well, and that they
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try to change, you know, the altar, the check chain,
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changing the paye or changing the dollar amount. So it works.
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So my recommendation today is use gel pens when you
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write checks. Now, some of you out there in radio
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slash podcast land might say, well, I do everything online
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now now I don't write anymore checks. Checks have gone
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the way of the Dodo bird. Well that's true. You
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know most of my payments I do through auto payments.
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Through you might have the electric company and the water
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company and garbage pickup and when I write my credit card,
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pay my credit card bill. Absolutely, and we want people
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to use auto payments. But even with all these automatic
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withdrawals that are set up, I end up writing one
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or two checks a month. So we're still putting our
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personal information out there and exposing ourselves. So how big
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of a problem is checkwa washing FBI and the Postal
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Inspection Service have put up warnings recently that check fraud
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is on the rise. Vinson, which is the Financial Crimes
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Enforcement Network, reports that the average loss on a check
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fraud in the States on just a single transaction is
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forty five thousand dollars. So the criminals they steal your checks,
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they alter it, and they take this money and it
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causes all kinds of headaches and then you have to
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deal with your bank and maybe you'll get your money back,
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maybe you won't. It all depends. But at Rose, we're
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in the prevention business. We want to reduce the ways
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that we are susceptible to being scammed, and this is
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one of them. And like I said, it's an old
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school technique. This is not modern technology. This is a
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scam that's been going around for a long time. But
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all good scams and all good crimes come around, they
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repeat themselves, and we're seeing this. So we're in the
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prevention business. It rose, and that means we like to
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offer some good advice. So here's some tips as it
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relates to checks that I want to share with everyone today.
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So first of all, in your checkbook, keep a gel pad,
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and in your checkbook that's dedicated to writing checks. I
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ev I've even put a label on my pen it
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says gelpen. I got my label maker out and I've
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labeled my gel pen as a gel pen because sometimes
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they'd actually don't say it. They'll say it on the packaging,
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but they won't say it on the pen. But this way,
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I know this is a gel pen. So when I
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write checks, I know I'm using a gel pen. And
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remember you can get gel pens wherever you buy regular
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pens off a supply store, big box store, grocery store.
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Gel pens cost a little bit more, but we're not
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talking that much more. It's worth the extra cost if
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they do cost more. And when it goes when it
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comes to mail, we recommend not putting your outgoing mail
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in the mailbox in front of your house. You know
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a lot of times, we have that little red flag
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you can put up and so the mail carrier knows
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that you have some outgoing mail. Don't do that. It's
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basically telling criminals, hey, there's mail in here, come steal it.
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And someone could drive by, they could walk by, open
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up your mailbox, grab your mail, cut it open real quick.
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They're looking for checks or they're looking for cash, but
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don't put your mail in that outgoing mailbox. If you
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live in a community with one of those shared mailboxes,
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a lot of times they have a secure slot where
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you can put your mail in. That's a good place
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as well. I like to go to the post office
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and drop off my mail. But when I go to
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the post office, I don't use the blue boxes. Why well,
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the people brought mail in those the blue big mailboxes.
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But criminals know that as well, and what they'll do
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is they will go phishing from me. And this is fishing,
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the conventional spelling, you know, f I s hi. They
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will literally take a string with something sticky at the
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end and drop it in there and try to pull
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out mail. What are they looking for? They're looking for checks.
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So the worst time to use those blue mailboxes is
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after hours or on the weekends because that mail could
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be could be sitting there overnight, unsupervised in the dark.
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You know, the only time I ever use those blue
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mailboxes is during the day when I know they're going
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to be picked up and there's traffic around. But you
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know what's even better, go inside, park your car, go
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inside the mailbox the post office and drop it in
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the dedicated slot. That extra time eliminates the possibility of
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scammers stealing stuff out of the blue mailbox. Is Now,
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what if you say, hey, you know what, these these
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blue blue mailboxes are so convenient. I can drive right
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up to them. I don't move real quick anymore. It's
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a hassle to get out of the car. I use
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a cane or a walker, a wheelchair. I'm just going
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to use the blue mailboxes. Yeah you can, but let's
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figure out another way to get that mail inside. How
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about you ask someone you know what. You know, sometimes
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we don't like to bother people, But I have learned
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that people like to help people, you know. You know,
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so why not ask a neighbor, a family member or
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friend and say, hey, are you running errands today? Could
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you take these to the post office on your way?
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Maybe they're going to the post office as well. I
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was on vacation this summer and I was at a
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Target store and a lady came up to me and said,
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excuse me, sir, can you help me get something? And
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she needed something on the top row at Target or
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the top shelf. And I'll tell you what it made
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my day when someone asks for help as simple as
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getting something on the top shelf at Target. Like I
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grew up as a short kid, I was a late bloomer.
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I was always the shortest kid in my class. So
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now that I'm five nine and I can reach the
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top shelf, I love helping people that are shorter than me. So,
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you know what it made my day to help someone.
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She was so appreciative. Same thing. You're at the post
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office parking lot and you see someone say hey, could
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you take these inside? You will make someone's day. And
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so after seeing this demonstration on checkwatching, I only use
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gel pens now. It's just one of the common sense
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things that we can do to make scamming harder. It's
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not going to prevent you from ever having your check scammed,
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but you know are stolen and altered. But you know what,
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it's just one little thing that you can do now.
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It was brought up to me and we had a
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discussion at our last rose Board meeting. You know, you
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could use a gel pen and still be victimized. You
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know why because on our checks. Everything's on those checks,
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it's got the routing number of our bank, and it's
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got our bank account numbers. There's another crime out there
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called check writing, where the fraudsters will actually buy check
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writing software. This is a legitimate software that businesses use
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to write checks, and they will basically steal your routing
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number and your bank account number that are printed at
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the bottom of the checks. In this case, the gel
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ink doesn't matter, So you know, there's the scammers always
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have a way around. So to avoid the check writing
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scam by the scammers, we recommend using online banking, which
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a lot of you do now. Of course, there's a
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lot of security measures to consider when you do online banking,
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and that'll have to just be a discussion for another day.
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But you know, just to review today, buy it bipens
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that say gel inc. Put a little label on there
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that says gel pens. Keep it in your checkbook, and
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then when you do have to mail checks, make sure
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it's somewhere secure a community mailbox that has a drop slot,
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or take it inside the post office. And if you
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do that, you know common sense tips you're following, you're
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probably going to protect yourself. So Roseadvocacy dot org is
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our web website. We are trying to get a thousand
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people on our mailing list. We're getting close, so please
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go to Rosadvocacy dot org. Right on the front page
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you can sign up for our monthly mailing list. We
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