I wrote a check, and someone forged the endorsement and cashed the check. My bank/credit union won't return my money to my account. Am I responsible?

Answer:

Contact your bank or credit union as quickly as you can after you learn of a forged endorsement. You are generally not responsible for a fraudulent endorsement as long as you report it within the period set by state law.

If the check was processed as an electronic transfer, you have additional protections under federal law.

If the check was not processed as an electronic transfer, you may have protections under state law.

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