It's a story we've reported to you all too often over the past few years someone scammed over the Internet. Now there is a new scam we want to warn you about and this one is much more personal.

The letter looks legit. The address is right. So is the customer's name right down to the middle initial. And the logo on the envelope it came in is the familiar red and blue of Bank of America.

Inside that envelope is a check. It came to a TV6 employee with the letter saying the bank couldn't deposit the almost $800 because his account was closed. But if he sends the correct information the bank will make the deposit.

Our experts say doing that would be making a big mistake. "Quite honestly, this is just a variation on many of the scams we see on the Internet." But this one comes to you through the post office and it's personalized.

Fraud expert Jon McDowall says scammers are getting more sophisticated and they are doing homework on potential victims.

"It may not have taken more than 5 or 10 minutes to put this together, that's not necessarily gonna take a lot of time, but the fact they bothered to take time and personalize it will increase likelihood the would be victim is going to become a victim."

McDowall says many times fraudsters target high profile people in the community accessing public records and filings. But he says you don't have to be high profile to be at risk.

An extra $800 can look good to anyone. "They would say, well it's the holidays, I could use some extra money, cash the check and the next thing you know, that routing information from the bank is known to the fraudsters and they go in and drain the account."

Leaving the account owner out that money along with possible service fees and bounced check charges. McDowall says it's getting more difficult to spot what's fake in a situation like this. But if someone sends you a check in the mail you're not expecting don't cash it.

If you think you need to respond to a letter look for a published phone number for the company or bank. Don't call the number on your letter. And never give out personal information over the phone.