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Forged Check Passed

Do bankers compare signatures to see if there could be a possible forgery before cashing a check? I had a check forged and the signature looked nothing like mine. How could they have made such a mistake?


First, take a look at this earlier question and response on the matter of banks and signature cards. Whether or not a bank checks signature cards when paying checks, the bank is liable in most circumstances for knowing its customer's signature. A forged check is simply not properly payable, and you should, if you have not already, contact the bank at once to enter your claim for reimbursement.

Unless the bank has a strong case that you contributed to the forgery, leaving your checkbook out so that anyone could take a blank check would be one example, you should be repaid. It is critical to identify possible unauthorized transactions as quickly as possible and to contact the bank at once when one is suspected. That protects you in two ways: you get your money back faster, and the bank is alerted to the potential for additional forgeries, putting it on notice to watch the account more carefully.

Published on BankingQuestions.com 9/08/08