2026 Check Fraud Benchmark Report: Data, Trends, and Operational Impacts for Banks and Credit Unions

What fewer checks, higher dollar values, and faster funds really mean for fraud risk in 2026.

Check fraud isn’t declining—it’s concentrating. As check volumes fall, average values rise, fraud schemes accelerate, and operational pressure intensifies. The 2026 Check Fraud Benchmark Report reveals how banks and credit unions are navigating this new risk reality—and where gaps remain.

Inside the Report

The Macro View
Why check fraud is surging despite declining volumes—and the economic and operational forces driving the shift.

Regulatory Landscape
What recent Reg CC updates and evolving compliance expectations mean for funds availability, holds, and loss exposure.

Peer Benchmarks
How banks and credit unions are experiencing check fraud today, where fraud is showing up by channel, and how peers are responding.

Actionable Workflows
Proven approaches to securing deposit channels, reducing manual review, and simplifying fragmented operations.

Early Decisioning
How leading institutions are moving detection to Day 0 to reduce Day‑2 rework, downstream exceptions, and avoidable losses.

Plus, you’ll uncover:

• Which deposit channels pose the greatest fraud risk—and why
• Where manual processes are amplifying operational strain
• How AI, analytics, and consortium intelligence are reshaping detection strategies
• Practical recommendations to reduce loss while improving speed and consistency across the check lifecycle

Download the 2026 Check Fraud Benchmark Report for peer insights and data‑driven guidance to help navigate the evolving check fraud landscape in 2026 and beyond.