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If the industry is bracing for more than $35B in check fraud losses for 2025… what does that tell us about where defenses are falling short?

VALID Systems recently shared a bold projection: An estimated $35B+ in losses across the U.S. this year. While official numbers won’t be available for some time, the factors driving this estimate are worth paying attention to.

Fraud isn’t just coming from one direction. Traditional methods are still active, but new tactics are complicating the picture:

- AI-generated handwriting and signatures

- Insider-enabled schemes

- Fraud methods circulating openly on social platforms

It’s the combination of old and new that continues to strain both On-Us and Deposit Fraud detection.

VALID Systems also points to several opportunities for institutions to strengthen defenses. Their recommendations echo what many in the industry are already seeing; that a multi-layered approach gives each check more than one chance to be validated, questioned, or flagged before funds move.

What does this projection signal to you about the state of check fraud today?

Heading into 2026, what will matter most: new tools, better collaboration, or a more disciplined approach to multi-layered detection?

Read the full breakdown in today’s blog post:

VALID Systems Bold Prediction: Est. $35B Check Fraud Losses in 2025 | OrboGraph Check fraud losses continue to accumulate There are solid recommendations available to fight fraud Effective tools can be leveraged for protection As we near the end of 2025, many are wondering what the total losses will be from check fraud. While concrete numbers are not available, our friends at V...

Is 90% of check fraud being caught across the banking industry too high of an estimate?

Unfortunately, the data behind it isn’t so clear.

​​​​​​​Can one statistic really represent every bank, every branch, and every region?

Our latest blog takes a closer look at what’s actually happening beneath that figure. Check fraud started to spike around 2017–2018, and since then, detection results have varied dramatically, with factors such as location and number of attempts creating the “urgency” for adoption of advanced fraud technologies.

Discover what the 90% figure really means – and how some banks are already surpassing it – in today’s blog post.

90% of Check Fraud Caught Across the Banking Industry...Is the Estimate Too High? | OrboGraph Check fraud attempts remain high Claims of 90% check fraud detection rates across the industry are likely too high Technologies like pattern recognition and machine learning significantly reduce check fraud Check fraud continues to make headlines, but the true impact-and the relative effectiveness o...