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I once got a call(or email to call them I don't remember which) from my bank about a check I had hastily scrawled out. They said it was suspicious looking and they wanted to verify that I had actually written and authorized the check. I'm guessing that means they have some sort of handwriting AI flagging checks that don't match the usual style.

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For checks I think banks definitely do this as I've also had a similar call. But I guess it comes down to volume and logistics. When you write a check your bank receives the original or copy of the deposited check. Credit card receipts go to the card processor who then deduct it from your account. I write at most 2 checks/month. I run 10 transaction per day for my card.

Checks have very little metadata to help in identifying fraud. CC transactions have time, location, and behavioural patterns to aid in catching fraud.

I put Xs and squiggles for both checks and credit card bills as my signature and haven't hard a problem yet. Probably varies by bank.

Many banks in the US don’t get the original checks anymore. The deposits are done purely electronically, and the only thing the bank gets is a very low-res image of worse quality than a bad fax. And that’s all they store.

I recently requested a copy of a cancelled check for proof of payment and they sent me a full color pdf of that check.

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