Timeline for Accidentally cashed a check twice
Current License: CC BY-SA 4.0
15 events
| when toggle format | what | by | license | comment | |
|---|---|---|---|---|---|
| Jun 1, 2019 at 21:39 | comment | added | iheanyi | @Harper it wasn't purposeful, i just needed a check one day and hadn't ordered any yet for my new WF account, so I went to the bank and had them print one. A week later, same need (checks were on the way) went to bank, they printed a check again. Same number. | |
| Jun 1, 2019 at 21:30 | comment | added | iheanyi | @Harper also, you can deposit multiple checks with the same number. I've written several myself and had them deposited. I've also had my bank generate multiple checks for me with the same number. | |
| Jun 1, 2019 at 21:29 | comment | added | iheanyi | @Harper I'm not sure what you mean by "signature wouldn't matter". Mobile deposits require the check be signed. That's part of the basic checks to accept the deposit. I have accounts at 7 different banks and have not been "unbanked" in over 25 years. Most people I know who are not originally from where I live similarly have accounts at multiple banks simply because it made sense to open one locally. I regularly deposit checks at different accounts - this is not a hypothetical scenario. Check cashing is no more exploitative than a grocery. They are a middle man providing a service people need. | |
| May 31, 2019 at 22:08 | comment | added | Harper - Reinstate Monica | @user71659 yeah, but it won't deposit. I've tried accidentally (was a $2.49 dividend check, but whatevs). | |
| May 31, 2019 at 22:04 | comment | added | user71659 | @Harper Check numbers are for the convenience of the drawer do not affect the validity of a check. It is possible to issue duplicate check numbers. | |
| May 31, 2019 at 20:18 | comment | added | Harper - Reinstate Monica | @iheanyi signature wouldn't matter. It prevents it because Bank A would recognize the check# the 2nd time around. Most people flow their money the same way from month to month, so I am discounting your hypothetical as improbable. Of course, I would also have discounted the second deposit being at a check cashing place; that seems weird, and suggests OP did something to get unbanked in those 2 months. In defense of 77s, check cashing places are like a slaveowner; they may not be bad, but their context is exploitive, and they choose to operate there. | |
| May 31, 2019 at 19:54 | comment | added | iheanyi | Downvoting. Check cashing is a legitmate business. The only thing "shady" is the large fees they charge. They lose when checks turn out to be fake and fees are paid from the proceeds of the check. It is in their interest to be quite exacting with the checks they cash. | |
| May 31, 2019 at 19:53 | comment | added | iheanyi | @Harper how would using mobile deposit have guaranteed it would have been caught instantly? If he uses mobile deposit at bank A which somehow doesn't require a signature on the check, then mobile deposits it at bank B, he'd be in the same situation now. | |
| May 31, 2019 at 18:10 | history | edited | sevensevens | CC BY-SA 4.0 |
added 420 characters in body
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| May 31, 2019 at 10:29 | comment | added | glglgl | @QuoraFeans Smells like. Sorry. | |
| May 31, 2019 at 10:17 | comment | added | Quora Feans | @glglgl: slemms like? | |
| May 31, 2019 at 8:15 | comment | added | glglgl | Check fraud implies intent, but if something slemms like intent, it might be useful to prove that it wasn't intent. | |
| May 30, 2019 at 4:13 | comment | added | Makyen | FYI: You might want to look at the original version of the question. That version states that the OP took the paper check into a check cashing service, not their bank. In other words, the OP cashed the check at two different places. | |
| May 30, 2019 at 1:19 | comment | added | Harper - Reinstate Monica | FYI, the first time he used mobile deposit. The second time he didn't use mobile deposit again (which would've been caught instantly)... he used a pink neon check cashing shop. That combo creates the appearance of intent to double-cash and a naïve scam to rip off the cashing shop. Hence my "fleeing the balrog in Moria" urgency to get seen telling them. | |
| May 29, 2019 at 17:37 | history | answered | sevensevens | CC BY-SA 4.0 |