Under the Uniform Commercial Code, which most states have adopted, if bank pays on a forged item, they have to reimburse your account immediately. Its tremendously expensive and time consuming to compare every signature to the signature card, so the modern practice is to pay all checks, then refund the account if any forgeries show up (sort of like the Quadaffi policy- "Kill 'em all, and let Allah sort it out!".
I'd be going back to the bank, and maybe having a lawyer write them a nice letter, reminding them of the code section, Consumer Protection Act violations (with treble damages, attorney fees, etc.). Everyone hates lawyers until you pay one a hundred bucks, and your $651.37 shows up in the mail a few days later.
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Today's Featured Article - Sunday Drives - by Cowboy. Summer was finally upon us here in Northern Maine. We have two types of industry up here, one being "Forestry" (Wood Products) and the other "Farming" (Potatoes). There is no shortage of farm tractors and equipment around here! I have been restoring old Farm Tractors for the past 6 years, and have found it easier and less expensive to hit all the auctions and purchase whole tractors for parts needed. My wife who works at a local school, and only has weekends and summers off, while on t
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