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I got a loan from a company, it was a paper check that i had received the check in April. I found the check today, un-signed, no void notes. I figured I hadn’t cashed it in considering it wasn’t even signed.

So I took it into a "Check into Cash" and cashed it. However, I just found out looking at my bank transactions online & that the same check had been mobile deposited already back in April when I received the check. Help! I’m 19 and it was an honest mistake and I’m worried about what’s going to happen. I’ve not had a chance to contact the company that cashed the check since they were closed when I found thst it had been mobile deposited already.

  • 15
    Are you sure it was mobile deposited and not just a common amount that you have confused with another deposit. Does your bank record show a scanned copy of the check, so you can verify that it was deposited? How did you make a deposit without a signature? – mhoran_psprep May 29 at 10:05
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    I, too, find it odd they would allow a mobile deposit without a picture of at least your signature on back. My bank requires a specific mobile deposit only endorsement as well. Just call the bank and explain what happened - it's a simple mistake. And tell them they should change their policies so this can't happen as easily in the future. ;) – topshot May 29 at 12:26
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    @topshot FYI the "for mobile deposit only" note on the endorsement is a Fed requirement in the US, not just a requirement of your FI. That said, anecdotally, there are many institutions that do not enforce the rule well or at all. – dwizum May 29 at 13:20
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    How can the bank not detect the issue. Check number, routing number and account number all together make it unique. – riya May 29 at 15:53
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    Unrelated to the question maybe, but how do you not remember cashing a check for a loan received? If you're applying for a loan, that money is earmarked for some expense. You don't just apply for a loan and tuck that check into your sock drawer for a rainy day. That money needs to be repaid with interest. Is this actually a case of a 19-year-old thinking he can scam a bank? – Steve-o169 May 30 at 14:21
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The best method would be to contact the check cashing place, and have them stop processing. Whether or not that's possible depends on the actual company you used. Talking to the company that you got the loan from will also probably work, and will usually involve you giving the full value of the check back. (That's including whatever the check cashing place took as a fee, so you will be out some money this way.)

This is a common mistake, and as long as you aren't intentionally double-depositing to steal money, you'll just have to give the money back. There's no real need to panic over this, just fix it.

45

This type of situation is all about initiative. If you contact them first, it looks like an honest error you caught. If they discover it and contact you first, then it looks like you tried to get away with something and they caught you.

Of course, in the latter case, you will protest that it was an honest mistake, but that just sounds like you're saying that because you don't have any other options now that you got caught. So you will have zero credibility.

So Right Now do whatever it takes to get caught on tape trying to tell them ASAP. If they are closed and don't have voice mail, I would write a note, put it in an envelope, and slide it under their door, making sure to get caught on CCTV doing so. That will put a timestamp on your efforts.


Unless this was a tax refund loan (which is often offered routinely to people who e-"file" with certain companies), your statements do have a credibility issue. One gets a loan for a reason, eagerly awaits the check, and applies the money to the reason. It's rather improbable to "forget". That, plus cashing it once with your bank and the second time through a check cashing place, raises some suspicion about your motives. All the more reason to take the initiative and get recorded with the earliest possible timestamp, trying to honestly rectify the situation.


Only as a standard disclaimer, I mention those online scams where "employers" "pay" you to cash checks into your personal bank accounts and send money on to them. We have many Q&A on that, read up if it applies to you.

  • 7
    I suspect the loan was a refund anticipation loan, which is somewhat of a different thing than a regular loan. If so, note that they are not in your best interest, as long as you can afford to wait for the real refund. Most check cashing places are also terrible. – user3757614 May 29 at 15:22
  • @user3757614 Good point given the timing. I'll tone it down. – Harper May 29 at 15:26
8

This is check fraud, be careful, and don't run back to the bank without planning (but plan fast)

That is likely not as bad as it sounds. People occasionally bounce checks (also check fraud), and a single slip-up will likely be forgiven if you are proactive.

Before going to the bank and explaining the situation

Make sure you actually did mobile deposit the check (1st time) then re-deposit it in person (2nd time). Most banks will have check photos available online. Print this out and bring it to the bank. They should have an image of the 2nd deposit on file. Don't go to the bank without the image of the first check. Banks are required to maintain records for 5 years

Don't go to the bank without a check or a repayment plan

If you can just withdraw the extra money and write a check back to the bank that's the best plan. It's unlikely any bank would do anything but take the money back. Remember to get the amount in writing from the first bank and take a photo of the check before you deposit it back. If you cannot do this, go in with a repayment plan.

Keep all the records on file. If there is an issue after-the-fact, you want to be in a position to prove you fixed the mistake.

NOTE: Check was cashed at a "Check-2-Cash" place, not a bank

This will not work in your favor. These places are shady, which makes it look more like an intentional deception on your part. You still need to go in with a plan (see above), but this means you should move twice as fast to make sure this gets resolved.

And whatever you do, DON'T USE ANY PLACE WITH A NEON SIGN TO CASH A CHECK! Use a bank!

  • 5
    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. – Harper May 30 at 1:19
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    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. – Makyen May 30 at 4:13
  • Check fraud implies intent, but if something slemms like intent, it might be useful to prove that it wasn't intent. – glglgl May 31 at 8:15
  • @glglgl: slemms like? – Quora Feans May 31 at 10:17
  • @QuoraFeans Smells like. Sorry. – glglgl May 31 at 10:29
1

The bank would most likely notify you via mail to tell you that you cashed a check on mobile deposit and then cashed a check at the ATM. The letter should show your balance or the the two deposits with one cancelled.

  • 1
    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. – Makyen May 30 at 4:13
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    This is what would happen if two attempts were made to deposit the check. But OP didn't deposit it, he cashed it. Not the same thing. (To be clear, there is no such thing as "cashing a check on mobile deposit") – Ben Voigt May 31 at 21:18

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