I received some American Express checks worth $3000 and cashed them at my bank. The bank returned them to me, stating they were fraudulent, and took the money out of my account. Is there any law that says they have to put the $3000 back into my account? I have notified the police and a report was taken and my bank stated we can only remove the bank charges only. I find this hard to believe when I did not even know they were bogus.
You are probably stuck, unless you can recover the money from whoever gave you the checks in the first place. When you endorsed the checks to cash them with the bank, you guaranteed that you'd reimburse the bank if the checks were not genuine. The bank was in no better position to know the checks were bogus than you were. Put another way, your argument is with whomever sent you those checks, not the bank.
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You are probably stuck, unless you can recover the money from whoever gave you the checks in the first place. When you 