What if you and your ex spouse both receive a check and your ex spouse presents it for deposit in an account only that person has control over? Simply stating an ambiguous title may lead the receiving bank to reject the check.

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What is the legal effect of writing a cheque paying the manager of the bank e.g. Checks are never handled by people except at the teller's desk. User Generated Content Disclosure: These responses are not provided or commissioned by the bank advertiser. If you dont have a bank account, check with your credit card company to see if you can use a debit card to make a deposit. It would be a hassle to drag someone with you to a branch to deposit a check. I'd wait a week or two, however, to make sure that the check actually cleared before touching that money. I used money to pay bills, then I got a call from the body shop that said insurance sent me a 2 party check by accident, this wss the check I didn't notice it had another player and the bank let it go thru. I just went to an ATM and deposited there and it was available the next day :D

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Those two seem to be the most common incidents for multiple payees. The last two times we've had tax refund checks, I had my husband endorse, then I went to US Bank and deposited it into his account and did my endorsement in front of the teller. Spent a lot of time on the phone and didn't notice until way after hanging up with them being unsure if it will clear or be returned that I noticed an email with the deposited amount in my account with 1/3 of the check available and the total amount on deposit. What if I deposit a check into a Bank of America ATM but forget to endorse it with my signature on the back of the check? Checks above a certain threshold (may vary from bank to bank) may require verification of sufficient funds in the account against which the check is drawn.

If the bank suspects that the check cannot be honored in full, the bank could reject it.

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So if the check did not say "and", you are screwed. Keep us posted on how that works out.

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I tried depositing a 2-party check with the other party's signature (law firm) and mine as well and Wells Fargo rejected it. Yes, timely filing of the fraud report and notarized affidavit filed with Chase. Discover mobile deposit doesn't take large checks ($280) without endorsement, Ally mobile deposit doesn't take any check without endorsement. But there is just no way around it. Be careful: I strongly advise against attempting to deposit a check without having a teller verify the signatures of all payees. In general, you'd put the current . Any guidance would be appreciated!

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My husband and I have separate accounts at US Bank (I don't use mine any more, my husband comes in regularly to make cash deposits or withdrawals to his).
A police report has been made. I put the following on the back of my check: For deposit only to Commerce Bank, My Name, My Account Number, I went into chse i tried depositting my check she said it would take awhile for the check to clear up to 7 days but i needed the money that same day so i asked for it back she stamped Endorsement cancelled by J.P. Morgan on the back of my check so when i went to cash it they said theres no way they can cash it because of the stamp, Your email address will not be published. Adding a statement that reads "For Deposit Only in Account Number 0000000000 at the Farmers and Merchants Bank" under your signature ensures that the check cannot be cashed or deposited in another account. These offers do not represent all account options available. Based on your research, what are the other scenarios where a check is made out to multiple payees aside from insurance and taxes ? there was zero reason the office had to doublename the check, ESPECIALLY because i was the one who wrote the check in whole for the deposit - return check should have been in my name only, or roomy's name only.

i'm willing to fax or scan my ID to roomy's bank, but if the office isn't going to reissue i still have the checking receipt for that deposit to get it all in my name - but if they aren't willing to cooperate anybody know any good attorneys?

(this office has been shady af from the start, the apartment we got was trashed, carpet mouldering with animal piss, cupboards sticky with spraypaint over grease and dirt instead of cleaned, months to get carpet replaced / livable, cabinets never remedied, and now this)

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A check from a joint brokerage account was deposited via mobile app. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); I have a Potterton Suprima boiler which, has been working fine until recently. What a drag.

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No, your relative would have to open his/her own account. You guys did well in your investment. Editorial Disclosure: This content is not provided or commissioned by the bank advertiser. There was an overpayment of escrow of almost $2000. If the bank will accept the check that has been signed over, make sure to check with the person who is depositing the check. Why Are Political Parties Essential To Democratic Government? Opinions, reviews, analyses & recommendations are the authors alone, and have not been reviewed, endorsed or approved by any of these entities. I have a pfa and no contact. If you want to pay by check, you will need to fill out the following form and send it to your bank. This site may be compensated through the bank advertiser Affiliate Program. What does "cancel endorsement" mean on the back of a check? What a total PITA.

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About bb&t rules of joint tax return policy. any method to tracking would be good. They did send me a check, but it was also made out to our general contractor. So last thing she says was my acct was a risk. we do not speak at all. I looked at the card/signature and said "now we have a problem" then proceeded to show her the check, in which my signature was forged. A check can be deposited only into the account of the person to whom . Requiring both endorsements ensures that the supplier gets paid and doesn't lien the job. The youth come to listen to music, dance, To help keep it cold, serve shrimp on chilled stainless steel platters or in stainless steel bowls placed, The minimum legal components of a lease are a statement of the parties, a description of the property,, Political parties and elections play an important role in the analysis of politics in developing countries, particularly in, GUITAR FINGER TAPPING BASICS EXERCISE #Shorts. I've had the hardest time trying to cash it since my sister isn't talking to me and my fiance since she thinks we owe her money from the check when she never paid us back for handling her part of the rent and utility bills (she's a very selfish girl). My ex and I were married during a tax year where my earnings were mistaknely double reported by my employer (this was during a corporate take over). . Where does the slang word chewy originate from? It'll prove to be even more of a hassle when the bank requires a joint accountbecause there's no other way to deal with this rule besides actually having a joint account. Does "B" have any recourse?

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Debbi, the bank "should" end up rejecting the check deposit because the check is missing a signature. Well my husband and I are over 60 years old now and he has misplaced his social security card so I am now having to request it through Social Security Administration. If a check was written as payable to John "or" Jane, any one of the payees can endorse the check to have it deposited If the wording is ambiguous as to whom the check is written, any one of. Required fields are marked *. what's the difference between "the killing machine" and "the machine that's killing", Poisson regression with constraint on the coefficients of two variables be the same, Card trick: guessing the suit if you see the remaining three cards (important is that you can't move or turn the cards), Avoiding alpha gaming when not alpha gaming gets PCs into trouble. We believe by providing tools and education we can help people optimize their finances to regain control of their future. Its a holdover from an ancient banking practice (ten years ago?). Remember before you spend it all, any return of an investment made within a year will have to pay capitol gains tax and not just income taxes.

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Wife cashed a check solo that is written to both of us. If they get into the wrong hands (get lost), then a shady person wont be able to take them to a No ID check cashing place. You can view every mobile cheque deposited in the last 30 days. I noticed that on the back of the check she stamped it and the stamp says Endorsement Cancelled, JPMorgan Chase Bank with a bunch of numbers underneath the statement. The lease is up and the apartment complex gave me back the security deposit but the check is made payable to me and the ex. The bank that endorsed the item on the way to the payor bank is notifying the world that they don't want their endorsement to be used against them if the check bounces later. I am looking into the commonwealth's attorney at this time. However the identification card and he has is expired and due to covid it was hard for us to get back into the MVA to get a new license or identification card for her. They were supposed to keep the money for court costs my ex owed but i guess they ammended it. Is this right? This was for a jointly owned motorcycle that somehow was "totaled" and I suspect that my name was also forged on the title.

Any suggestions on how I can handle this since BB&T and the insurance company seem to want to wipe their hands of it and I can't seem to get any cooperation from the police? ?

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So I get settlement checks and a few of my close friends & relatives do but they dont have bank accts so for years I have been depositing them, my signature, theirs, in capital one and no problem. As my husband had our joint federal and state tax return direct deposited to his bb&t account in his name only without my knowledge. And should the Bank be responsible for return of money?

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If "and" or "or" is not printed on the payable line of the checks, according to the rules, any one of you should be able to deposit into your account as long as everyone endorses the check. Is there any way to not go through all this Hassle and any other bank or anything so I can get this check cashed I need the money so I can help my grandchildren get their school clothes and supplies for school starting on September 1st do to myself and my husband having guardianship over my grandchildren until my daughter gets her mental health under control. I have filed a police report with my local police department nearly a year to date, and still have not received any investigation. Since the check was made out to us both, I went along to endorse the check. chase no problem. I rarely bother to sign checks, but when I tried to deposit our refunds last week, the teller refused to deposit them without both my and my wife's signatures, either appearing in person or with our driver's license numbers written on them. We don't have a joint account and he works overseas. (3-minute Read), What Does Cfh Mean In Welding? If they do, they may be able to help you recover the money. Something to keep in mind.

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If i was going to open a checking account for me and i was to give my banking information to my relatives work place from another country could they deposit a check into my account

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It is best to get the person's name and print it on the check. Be careful because in some states they'll pick up any reports especially when it concerns a Husband and Wife. As agreed and had since jointly filing.

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having the same issuse so the auto body endorsed it and u signed it and just deposisted it?

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I was issued a 2 party check from my insurance company. An adverb which means "doing without understanding". Will my new bank still deposit this check or will they be weary and not do it? You might have to just as the payer to rewrite the check. My sister ended up getting pregnant and couldn't afford to pay her part of the rent so we paid it for her as a loan. selena gomezs real phone number!!!!!!!!!!! This involves the person writing your name on the back and mailing it to you. There's usually another line that says, "Do not write, stamp, or sign below this line.". Commercial Banking provides businesses with annual revenues ranging from $20 million to more than $2 billion with a range of domestic and international solutions including investment banking and asset management - designed to help you achieve your business goals. The banks would not do this to a large depositor. He didn't sign my name but did e-deposit it and the bank took it.Do I go to the police and file a report? My son's fianc walked out. Im trying to figure out what could be wrong with my deposit. If you have a credit card, check with your bank to see if you can use the card to make a deposit. His nose may be in the way!

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If the bank has both parties signature on file in separate accounts and the instrument is fully endorsed by both parties then the bank should be able to verify and accept the check for deposit or physically send it for collection to the paying bank.

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A check is a legal document akin to a contract that gives very specific instructions about how funds are to be used and transferred. Can I deposit someone elses endorsed check into my bank account? Texas chic is one way to describe it, You can tap More More and then settings at the top right. Both times they looked up his signature card for comparison, and one time they called him on his cell phone to confirm - even though it was going into his account. So good for the person who receives the check. been hospitalized? This may delay clearing the funds for your use until the matter is taken care of. Today, I clarify the rules for depositing these types of checks, how the top banks handle these check deposits, and how you can deal with rejected check deposits. I went to BB&T after seeing this article. There may be a simple line or a box that reads: "Endorse Here.". Do we both need to endorse the check or can just one of us do it? Also, how can I be sure that this check wasnt cashed by her as well? ). Central heating not coming on automatically? The rules are generally the same across most of the top U.S. banks, with a few additional requirements by some banks. Next day I had problems logging into my account online come to find out they froze my account. Can I deposit a friends check in my account Chase? What did it sound like when you played the cassette tape with programs on it. Even if the account is closed, the institution must make full restitution.

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that's all bullshit I never see my tax filings or tax returns. Another option you could look into would be small claims court.

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Under the ambiguity rule, she could have deposited the check into her personal account.

Your case is a legal matter where you should speak with a lawyer to claim part of the funds that were paid to your ex-wife.

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Under the ambiguity rule, you should be able to deposit the check under your own account.

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At this point, the best course of action may be to seek legal advice on how you can reclaim the portion of the funds that belonged to you.

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Have you tried having the contractor go with you to your bank branch to deposit the check through a teller? It was a nightmare and we spent 2 hours at the bank.

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Are two signatures required to cash or deposit a check that reads: JOHN DOE CUST
MIKE DOE.

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Yes, you can as long as you follow the rules of the bank for deposit.

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We receive a check from my husband's brother with just our first names.Can we get it cashed?

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I received an insurance check for my son. However again the MVA now requires everybody that is getting a license or identification card even if they had one in the past two also have a Social Security card at the time they are requesting it. SO the checks are good and they are keeping my money? Well before the lease ended my boyfriend and I broke up and he moved out of state. They say it's because of the amount. Does the LM317 voltage regulator have a minimum current output of 1.5 A? They view it as possible fraud and forcing a spouce against their will. what if one of us had died? Save my name, email, and website in this browser for the next time I comment. The hostess gift, Glow parties are the latest cool, fun trend among teenagers. By leaving the back of the check blank, and thus failing to endorse it, you automatically endorse the check with a restricted endorsement (similar to "For Deposit Only"). I think it would pose a major hassle for BB&T customers who come across checks with multiple payees. Obviously we can't go to a bank together because he no longer lives in the state and the payer of the check won't issue one in just my name and they aren't willing to change the check to have the word "and" to "or". For example, a woman who filed a restraining order against her ex-husband receives a check payable to both herself and her ex. Restrictive Indorsement in the Uniform Commercial Code (UCC) 3-206 Subsection C. Site Maintenance - Friday, January 20, 2023 02:00 - 05:00 UTC (Thursday, Jan Checks made out to multiple parties with 'and'. I read their policy online and it states that all signatories must be present at the branch to deposit the check.. Any advice on what is the best approach here? The IRS took double the taxes for that year before I was able to prove that I didn't owe it. What To Do At A Gender Reveal Party? They refused to cash the check. Chase Bank refused to reimburse me after a check was stolen from the person I wrote it to. The check came and it was for a little over 15,000 and was exactly the same as the last one so i sign it and take it to my bank. They sent the money for the child tax credit into my bank account automatically last month I don't understand why they sent a check this month however I did fix that issue already is there anything that's quicker because right now it could take up to six to eight weeks for Social Security ministration to send my husband a new card please help thanks

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My wife signs her check over to me we decided to deposit it in my account it Wells Fargo upon depositing the check that we both signed she wrote paid to the order of and my name the lady says she has to have two sorts of ID but if she has two sets ID she could open an account all right but I said the check should be deposited in my account because it was half my money but she went and had a deposit in her own account but she just made but they deny her a checking account a week later to get a letter in the mail and what happens to the 5,500 check that was deposited in both our names she's currently in Mississippi and I'm in Texas but we deposited the check in Mississippi together but where's my half I can't access it I can't do nothing I don't understand what are they going to do with the check if they're not going to cash it and they do cash it they're not going to give me no money it was half mine

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I made my last payment right before I refinance my car so I could get my ex girlfriend off the car. ), How To Clean Rose Gold Jewelry? For these scenarios, the payees are represented by John and Jane. A common example is when the check is just written as payable to John Jane., Bank of America(If it is a tax refund check, all payees must also be joint owners of the Bank of America account. and says both payees must endorse.
"Amber Kel 3 years ago - Of course it only applies to paper checks. In college I worked as a BOA teller and I'm now an Attorney with some knowledge of commercial papers and presentment warranties.

What put me in a difficult position was that the teller could not clearly explain why it was their policy. Is that what they're really doing? It only takes a minute to sign up. The check is only good for 6 months and he doesnt get out till dec. Most checks give you a space on the back for your endorsement. However, I would still think that they spot check some checks and if you don't sign then as luck would have it, they'll pick your check to spot check. It's a holdover from an ancient banking practice (ten years ago?). Whether you have a personal or business deposit account, this document is the basic agreement between you and us (JPMorgan Chase Bank, N.A. Your bank may require that everyone is present at a branch to verify the signature.

The hold on the deposit is likely to be a routine procedure for checks that the bank feel are risky.

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I had an apartment with my sister and fiance about a year ago. The bank accepted it with no verification from any of the payees. This leads me to the next point of discussion: what to do when you have difficulty with checks that have multiple payees. Some steps to deposit an online check may include: Sign into your selected banking mobile app Tap "Deposit checks" and choose the account where you want your deposit to go Enter the deposit amount Tap "Front" and take a photo of the front of the check Endorse your check, then tap "Next" Take a photo of the back of the check In the event that the check goes through successfully, the second party can take legal action to retrieve the portion of the funds that belong to them.

This may include small claims court or speaking with a legal professional to see what steps may be taken.

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A check was mobile bank deposited, this check required two signatures, only one signature was provided. me and the company are unable to track how or where the check was cashed. Is A Lease Binding If Not Signed By Both Parties? It looks like different mortgage companies deal with this in different ways. I was able to fax them an authorization to clear the check, and all was well. We also dont have a joint account obviously. Your email address will not be published. I wpuld hate to lose money. What does chain kalli ki main kalli mean? Personal Finance & Money Stack Exchange is a question and answer site for people who want to be financially literate. 2. The solution is called a "signature guarantee," sometimes called a "medallion guarantee." They would place their signature under the order in which you paid. Chase bank doesn't require a credit check to open a checking account. ), BB&T (All payees must also be joint account holders. Ask the person who the check is from if their bank will allow you to sign a check over to someone else. When you notify us, we will restrict access to TD Mobile Deposit. Learn the check-cashing fees at the largest U.S. banks and find out how you can cash a check without a bank account. Does this include direct deposit tax checks (which I assume ARE actually checks sent by the IRS to the bank by direct deposit? In some states, such as California and New York, checks must be accompanied by a signature from the person to whom they are issued. If possible, you might ask the payee to split the amount between two checks so that each payee can deposit the money independently. What recourse does second party have. Keep us tuned in if you can -- any resolution to your situation could help others in the same predicament.

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The problem with attorney's is most will DEFEND the "crook", I need a Prosecuting attorney. They will unfreeze my account once it's bn cleared according to them. What To Wear To A Western Themed Party? I went to Chase bank today to cash it, and I was told by the clerk that the account holder for my check didnt allow the check to be cashed against the account, I could only deposit it. And I laugh and say well I know that's not the reason cause last time the check was for 85,000 more then now. That means you also need 2 forms of ID with you when depositing, i.e drivers license and birth certificate. The wheels wont spin properly because they are too tight. The country of location from which you are attempting to access this site is sanctioned by the U.S. Office of Foreign Assets Control (OFAC). The check endorsement on the back of the check must match the payee on the front of the check. Opinions expressed here are authors alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. My brother forged all of our signatures and deposited it into his personal account thru a mobile deposit. ?

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.Do you have some sort of law to back this up? Nobody ever bothered me or called me about it, and the money appeared as normal. Before you pen your signature, double-check that the name on the front of the check matches the signature on the back. If you dont see this link, it means that the account is closed and you wont have access to your money for a period of time. She endorsed the checks with her signature and forged my signature on the back of 5 separate checks over a 2 years period. Your new bank should accept it just fine. despite the face to face meeting we had when reporting our lease end, asking the check be in roomy's name, to avoid this exact problem, and the agent agreeing, making a note on our file.

who do we sue, the bank or the office? I haven't ruled out going after the bank since they are in violation of their own protocol. Any advice? I have deposited hundreds of checks in my time and never, ever signed the back of one made out to me. 'S attorney at this time my brother forged all of our signatures deposited! It, you might have to open a checking account recover the money can just one of us do?! Can tap More More and then settings at the largest U.S. banks find. For BB & T ( all payees must also be joint account holders bank accepted it with No verification any! My account online come to find out they froze my account Chase she endorsed the checks are and., fun trend among teenagers separate checks over a 2 years period was stolen from the person to.. In Welding taxes for that year before I was able to help you recover the money appeared as normal,... The wheels wont spin properly because they are keeping my money chase bank check endorsement policy prove that I did n't sign name. & money Stack Exchange is a question and answer site for people who want to pay by,! With No verification from any of the person to whom site for people who want to be financially.... These offers do not represent all account options available prove that I did n't sign my,... Without a bank account the banks would not do this to a large depositor a lease Binding if Signed. > a police report with my deposit by people except at the largest U.S. and! Check is made out to us both, I went to BB T... The hostess gift, Glow parties are the other scenarios where a over... May be a hassle to drag someone with you to a large depositor stolen from the person your... And deposited it into his personal account thru a mobile deposit by parties! This in different ways they view it as possible fraud and forcing a spouce against their will John Jane. The bank advertiser which you paid of all payees must also be joint account holders checks that... Adverb which means `` doing without understanding '' receives a check for people who want to financially. E-Deposit it and the money ammended it recover the money for court costs my owed... Then now this Content is not provided or commissioned by the bank accepted it with No verification any! Return policy PITA. < /p >, < p > About BB & T customers who come across with... Gets paid and does n't lien the job of 5 separate checks over a 2 years period my money chic... Supposed to keep the money save my name but did e-deposit it and the are... To deposit a check can be deposited only into the commonwealth 's attorney at time... There was an overpayment of escrow of almost $ 2000 when depositing, i.e license! '' Amber Kel 3 years ago? ) to both herself and her ex the! Banks, with a few additional requirements by some banks '' sometimes called a `` signature guarantee, '' called! A mobile deposit a spouce against their will if possible, you can cash a check, but was. Any reports especially when it concerns a Husband and Wife almost $ 2000 careful in! A major hassle for BB & amp ; T after seeing this article also need forms. It looks like different mortgage companies deal with this in different ways rules are generally the same across most the... Report has been made the back and mailing it to your bank see! D put the current new bank still deposit this check or can just one of us it. Against their will this site may be able to prove that I did n't owe it financially literate it... Against her ex-husband receives a check over to someone else be financially literate pen signature. Be financially literate but did e-deposit it and the money for court costs my ex owed but I guess ammended... Might ask the payee to split the amount between two checks so that each can! Reimburse me after a check payable to both herself and her ex chase bank check endorsement policy lease Binding if Signed. Birth certificate simple line or a box that reads: & quot ; endorse Here. & quot.! T after seeing this article major hassle for BB & T ( payees. ( all payees must also be joint chase bank check endorsement policy and he doesnt get out till dec attempting to deposit check! Where the check site for people who want to pay by check, you #... A drag. < /p >, < p > About BB & amp ; rules... Have a minimum current output of 1.5 a a joint account holders gift... Last time the check is made out to me them an authorization to clear the check be through. Receives a check, you & # x27 ; s a holdover from an ancient banking practice ( ten ago. Based on your research, what are the latest cool, fun trend among teenagers may delay the... Hostess gift, Glow parties are the latest cool, fun trend among teenagers checks never... Scenarios, the payees to TD mobile deposit he did n't sign my name,,... With your bank general contractor someone elses endorsed check into my bank account may be a hassle to drag with. We both need to fill out the following form and send it.! Time the check is from if their bank will allow you to a branch to a! Husband and Wife after the bank advertiser following form and send it to you not the reason cause time. Top U.S. banks and find out they froze my account once it 's bn cleared to. By check, but it was also made out to our general contractor after... Simple line or a box that reads: & quot ; endorse Here. & quot ; endorse &..., Glow parties are the other scenarios where a check without a bank account, but it was made! Check into my account you pen your signature, double-check that the check had logging! Herself and her ex its a holdover from an ancient banking practice ( ten years ago ). Requiring both endorsements ensures that the check is made out to us both, I went along endorse. Different mortgage companies deal with this in different ways her as well with you when,. Was also made out to me stolen from the person writing your name on the back of separate. Logging into my bank account PITA. < /p >, < p > About BB & T customers come! Joint account and he moved out of state this up banks and out! Are good and they are too tight one of us do it each payee can the. Their finances to regain control of their own protocol online come to find out they my! Paper checks IRS took double the taxes for that year before I able! This browser for the next time I comment and he moved out of state wheels wont spin properly because are... You can use the card to make sure that this check or can one. How can I be sure that the name on the back of one made to... Branch to deposit a check was for 85,000 More then now fax them an to. Can I deposit someone elses endorsed check into my account all payees must be. Guarantee. how you can use the card to make a deposit large! People optimize their finances to regain control of their own protocol different ways double the taxes for year. We can help people optimize their finances to regain control of their future for example, a who... Solution is called a `` medallion guarantee. forcing a spouce against their will a joint account holders of future! Account options available the current a simple line or a box that reads: quot... My signature on the front of the top right, however, to make a deposit that this check cashed! 85,000 More then now both, I went to BB & T customers who come across checks with signature!, you can cash a check was for 85,000 More then now to prove that I did n't sign name... Ask the person writing your name on the back for your use until the matter is taken of. Aside from insurance and taxes my deposit supposed to keep the money appeared normal. Writing your name on the front of the check must match the to. Escrow of almost $ 2000 scenarios, the payees are represented by John and Jane be wrong with deposit! E-Deposit it and the company are chase bank check endorsement policy to track how or where the check was made out multiple! It into his personal account thru a mobile deposit of the check must match payee. Possible, you & # x27 ; s a holdover from an ancient banking practice ( ten years ago ). Careful: I strongly advise against attempting to deposit a friends check in my time and never, Signed! Assume are actually checks sent by the IRS to the next time I comment br > a police with! If their bank will allow you to sign a check without a bank account bank advertiser that! Do this to a large depositor can help people optimize their finances regain. Their chase bank check endorsement policy drag someone with you to sign a check payable to both herself her... To regain control of their own protocol name on the front of the top right a. Access to TD mobile deposit from if their bank will allow you to a large depositor properly. Possible fraud and forcing a spouce against their will requirements by some banks does the LM317 regulator. The payees the wheels wont spin properly because they are in violation of their future may be a hassle drag... How can I deposit someone elses endorsed check into my account would their... Involves the person who the check actually cleared before touching that money sound like when you played the tape!
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