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Contact your bank or credit union right away. State law generally provides that you are not responsible for a check if someone forged the signature of the person to whom you made out the check. Tell your bank or credit union what happened and ask for the money to be restored to your account.

The responsibility for banking fraud lies with both the bank and the customer. Banks are responsible for ensuring the security of customers' financial data and accounts. They should have strong security systems and protocols in place to protect customers' accounts from fraud and theft.

If you discover that your checks have been washed, contact your bank immediately. You'll likely need to fill out an affidavit stating that you didn't authorize the check. Under the Uniform Commercial Code, banks generally must reimburse you if you report the altered check within a year of discovering it.

If someone comes into the bank and uses a check to make a fraudulent withdrawal from an account that is not theirs, the bank is typically liable for the fraud. Similarly, if a bank cashes a check that was created fraudulently, the bank is also responsible for covering those funds.

Contact your bank immediately and fill out an affidavit Your bank needs to know that someone has cashed a fraudulent check in your name. Contact your financial institution's fraud department and explain what happened. They'll most likely ask you to complete an Affidavit of Check Fraud.

The responsibility for banking fraud lies with both the bank and the customer. Banks are responsible for ensuring the security of customers' financial data and accounts. They should have strong security systems and protocols in place to protect customers' accounts from fraud and theft.

If you think you've been targeted by a counterfeit check scam, report it immediately to any of the following agencies: The U.S. Postal Inspection Service at .uspis.gov (if you received the check in the mail). Your state or local consumer protection agencies.

Counterfeit Check When this check clears the client's account, it will usually be out of the check number range, which may be the first red flag for the paying institution. As was the case with forged signatures, once the 24-hour return window has passed, the paying bank warrants these situations.