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The bank paid a check when it was obvious that the signature was not mine. Why didn't the bank catch this?

Banks generally do not manually process checks. Each day, thousands of checks are processed through the clearinghouse for payment, using machines that read the micro encoded line at the bottom of the check.

You are responsible for reviewing your periodic statement promptly and notifying the bank of any problem check(s).

Generally, you have up to 30 days from the statement date to find the problem check(s) and inform the bank. Notification requirements may vary by bank and state. Review your deposit account agreement for policies specific to your bank and your account. You should contact the bank directly regarding any alleged error(s).

Last Reviewed: October 2020

Please note: The terms "bank" and "banks" used in these answers generally refer to national banks, federal savings associations, and federal branches or agencies of foreign banking organizations that are regulated by the Office of the Comptroller of the Currency (OCC). Find out if the OCC regulates your bank. Information provided on HelpWithMyBank.gov should not be construed as legal advice or a legal opinion of the OCC.

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