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1Repair Windows errors before they cause bigger problems2Fix the driver behind crashes, sound loss and screen glitches3Clear out junk files and repair common Windows errorsVerify a government benefit payment by contacting the agency that supposedly issued it through contact details you find on that agency’s official website—not through a link, phone number, or reply path in the message. For a federal Treasury check, use the Treasury Check Verification System. For direct deposits, state benefits, notices, or tax forms, confirm them with the responsible program agency.
Start with the payment type and the agency named
Look at the payment, letter, email, or account entry and identify what it claims to be: a federal Treasury check, a benefit from a state program, a Social Security payment, unemployment compensation, or an FTC settlement refund. The right verification route depends on the type of payment; Treasury’s check-verification service is not a universal checker for deposits or every state benefit.
For a federal check, examine its memo or issue information for the authorizing agency or reason for payment. If you cannot identify the agency, USAGov says the Bureau of the Fiscal Service Call Center can help: 1-855-868-0151. Use the number as an agency-identification route for federal payments, not as a general verifier for state benefits. See USAGov’s guidance on verifying a government check.
Verify it without using the sender’s contact details
- Open the agency’s official website independently. Type its known web address or find it through a trusted government directory. Do not follow a link in a suspicious message.
- Sign in through the official account portal, if the program provides one. Check payment history, notices, or claim status there. Login.gov advises using the official website or contact page rather than a suspicious message link. Read Login.gov’s advice on verifying messages.
- Call a number listed on the official agency site. Ask whether the payment, notice, or requested action is genuine. Do not rely on caller ID or a number provided by the person contacting you.
- For a Treasury check, use the Treasury Check Verification System. It is specifically for checking Treasury checks, not direct deposits, state-issued checks, or other payment formats.
Recognize pressure tactics and requests that signal risk
Pause if a caller or message claims there is an urgent problem or prize, threatens arrest or loss of benefits unless you act immediately, asks for sensitive personal or financial information, or demands payment to release a benefit. A government logo, official-sounding employee name, caller ID, or knowledge of personal details does not prove the contact is real. Caller ID can be spoofed.
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Be especially wary of demands for gift cards, cryptocurrency, wire transfers, mailed cash, precious metals, or prepaid debit cards. The Social Security Administration describes these as methods scammers may demand, and warns that criminals can impersonate agency staff. Read the SSA’s scam guidance.
Do not click suspicious links or attachments, reply with personal or banking information, or pay an unexpected fee while checking. The SSA says it will not ask for sensitive personal information through social media, email, or text. It also warns that “Legitimate companies and other agencies cannot transfer your phone call directly to SSA or OIG.” This statement appears in the SSA’s July 29, 2026 update about fake call transfers.
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- TEST THE CARD: Test the card is working at your local supermarket. At the self-service checkout machines, combine the card and a contactless card on the payment reader. Payment with the contactless card will be blocked and an error message should occur on the reader.
Use the right route for common payment claims
Social Security-related contact
If a message or call claims to be from Social Security, independently contact the SSA using details on its official website. Report suspected SSA-related scams to the Social Security Administration Office of Inspector General (OIG), following the reporting instructions on the SSA scam page.
Unemployment payment or Form 1099-G you did not expect
An unexpected unemployment notice, employer notice, direct deposit, debit card, or Form 1099-G may mean someone used your identity to file a claim. Contact your state unemployment agency using the official website or phone number you find independently, and follow its identity-theft reporting process. Do not treat an unexpected deposit as proof that the money is yours.
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States issue Form 1099-G to report unemployment compensation. If yours reports benefits you did not receive, the IRS says to report the fraud to the issuing state and request a corrected form. See the IRS guidance on unemployment-benefit identity theft and USAGov’s steps for reporting unemployment benefits fraud.
Payment described as an FTC refund or settlement
A payment may be a refund from an FTC case rather than a benefit. Check the case at the FTC’s official refunds page. The FTC says its settlement payment or claim form includes case details; the page lists the case, payment administrator, and a phone number for questions. The FTC says it never requires an upfront fee or asks for sensitive information such as a Social Security number or bank account number to issue a refund. Verify the case through the FTC refunds page.
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Other federal or state benefits
For a benefit not covered above, contact the program administrator using its independently found official account or contact page. Application rules, payment practices, and deadlines differ by program and jurisdiction; a familiar-looking format alone cannot establish that a payment is legitimate.
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- Stop engaging through the suspicious contact. Do not send more information or money. Contact the agency through its official channel and ask what steps apply to your account or payment.
- Report the incident to the appropriate authority. Use SSA OIG for SSA-related scams, the FTC for government imposters, the IRS for tax-related issues, or your state unemployment agency for suspected unemployment identity theft.
- If unemployment identity theft is involved, report it to the state agency even if you only received a notice, deposit, debit card, or tax form and did not apply.
Use the specific program’s official reporting instructions; reporting routes and procedures vary.
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