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Why do I have to pay the bank/credit union back if a check I deposited turns out to be fraudulent?

Your bank or credit union is entitled to recover funds that were fraudulently transferred and to take steps to reverse a fraudulent transaction.

If your bank or credit union credited your account fraudulently, the bank or credit union can remove the funds from your account. If you believe you have been targeted by a scam, you should file a complaint with the Federal Trade Commission .