In plain English
Common signs include overpayment checks and requests to send money back. Real signing companies do not ask for such transfers.
Verify any company before accepting work, look the sender up independently, and never deposit a check and send money back.
Why it matters
New notaries are an easy target because they are eager for work and may not yet know how signing companies operate. A fake job that sends an oversized check can drain the notary's bank account when the check bounces after the money was sent back.
Some schemes also try to collect a notary's commission details, seal image or ID, which can then be used to fake notarizations.
Worked example
A notary receives a check larger than the fee and a request to return the difference; she declines and reports it.
What to do
- Look up any new company through sources you find yourself, not links in the message.
- Call the company at a number from its official site before accepting work.
- Never send money back from a check you deposited for a client.
- Do not email images of your seal or commission certificate to unknown parties.
- Report suspected fraud to your bank and to consumer protection authorities.
Common mistakes
- Depositing an overpayment check and wiring the difference usually leaves the notary owing the full amount when the check is returned.
- Sending a stamp image to a new contact can allow forged certificates in the notary's name.
- Accepting a job that skips meeting the signer in person invites a fake notarization.
Not the same as: Wire fraud (closing)
A notary scam targets the notary's own money or credentials, while closing wire fraud targets a buyer's funds through fake wiring instructions. See Wire fraud (closing).
Go deeper
- Common Notary Scams and How Signers Can Avoid Them: Fake notaries, blank-page signings, immigration notario fraud, deed theft and remote session impersonation: warning signs for signers and how to protect yourself.
- Fake Check and Job Scams Targeting New Notaries: Notaries are targeted with overpayment checks, bogus signing jobs and fake background-check fees. Learn the warning signs and what to do if you have been contacted.
Related terms
- Notary seal or stamp: The stamp or embosser a notary places on a certificate that shows their name and commission details.
- Oath and affirmation: A spoken promise to tell the truth. An oath calls on a higher power; an affirmation does not.
- Notary journal: A bound or electronic record of each notarial act the notary performs.
Common questions
What is a notary scam?
A fake job or check scheme that targets notaries and signing agents.
Can you give an example of notary scam?
A notary receives a check larger than the fee and a request to return the difference; she declines and reports it.
What are warning signs of a fake signing job?
Payment before work, checks for more than the agreed amount, pressure to act fast and requests to forward money are common red flags.
What should I do if I already deposited a suspicious check?
Contact your bank right away and do not send any money onward. Report it to local authorities as well.
General information, not legal advice. Rules vary by state and change; check with your state's commissioning office.