I recently had the stupidest idea to change my direct deposit from Wells Fargo to Bank of America (my BOFA account is about 6 months old).
Since I changed it 2 weeks in advance I was shocked when I received a check for payday. Plus I need to return back $100 to a co-worker. A co-worker worker said that how he deposits his check with BOFA. I Mobile deposited the check and was expecting some part to be available.
I got a message saying that full balance would be available on Friday, I deposited the Check on Wednesday morning around 9AM. Then Friday came and it said that would be available the Thursday next. By then I was very mad rent was coming up so I wanted to canceled my account, I even set an appointment to cancel but I couldn't.
I researched online and by what saw it seemed more likely they'll denied the check or something! I even was charged a $2 return posted check fee. So went to place I thought was a Western Union that I frequently do money transfers with. It turns out they are a check cashing place that processes Western Union. I cashed the check there.
So today at 4pm almost 2 weeks later I received a call from HR saying that I cashed my check twice and they will sue me. I don't know why they didn't call me first. Upon checking my account BOFA cleared it. So I explained what had happened and was advised to pay it fast. Because it was late and Wells Fargo still have me at $600 limit I scraped around my other accounts and came up with $740. Still owe about $630 which I will be pay the next day. But the teller told me she'll tell her manager and the may file a police report.
My question is:
- What can I do to assure them that I didn't do it purposely and not to press charges?
- Since I won't cancel due to not wanting seem fishy to my employer. Do I need to inform BOFA of this accident. I don't want any surprises later.
- Will I be arrested?
- Should I send HR the receipts as proof that I handled that situation?
- I feel ashamed how do I move on from this? The general manager already sent email to retrain all employees on check frauds.