So I'm downloading transactions in Quicken (it's a daily thing), and I see that a check posted to my account that I did not recognize. Upon pulling up the image, I see that the check has the routing/account number of my checking account, but it's not written by me or my husband and the check number is out of sequence with my checks.
Of course I called the bank immediately and they are putting their fraud division on it and changing all my account numbers. It will be a pain to get all my direct deposits and debits set back up with the new number, but it's the right thing to do. The rep and I checked all the other accounts, and a few weeks of transactions in my checking account (being me, I told her I watch my account like a hawk and this was the first thing I'd seen that I didn't recognize), and everything, uh, checked out (no pun intended) so I think this one check will be the extent of it. My debit card will be replaced; I have no credit card with them, and no loans, so nothing to do there.
This could just be a printer error on the part of the company who printed the checks for this person, or someone transposed a digit, or something equally innocent--but then again it could be intentional fraud. Either way, the account numbers are getting changed, because if this person has a pad of checks with my account number on them, ewwww.
My question now: what other steps should I take with other accounts at other institutions (brokerage, credit cards, other banks--yes, I have accounts at three different banks; long story)? You don't have to tell me to watch my accounts (did I say daily downloads? Try at least TWICE daily)--but what other things should I be thinking of?