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geo

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    didn't know being a forum staple was a bad thing

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  1. I deposited a bunch of checks today for the first time in probably 14 years. I've always done direct deposit. So when doing the check I had to endorse it and I did it right there with the teller watching. She looked at the check and looked at her monitor. She told me that my signatures didn't match.

    She called her manager that came over and confirmed, the signatures didn't match. So then he warned me what could happen upon further inspection later. The check could get rejected and I could be charged with fraud.

    I remember the last time I voted, I saw my voter's signature compared to my current signature and they had changed in so many years. I even told the voter employee I wouldn't let me pass with that big of a signature change. She said oh you're okay.

    Now with this teller and her manager finally call me on it. I'm only depositing a check, not cashing it. They didn't ask for ID. They asked if I still wanted to deposit the check with that signature.

    I'm worried that I'll get busted for fraud with my own signature. They asked me if I still wanted to deposit the check in the way that a store will let you shoplift from it, because its not shoplifting until you leave with stolen goods.

    Worried.

    1. Show previous comments  13 more
    2. geo

      geo

      GreyGhost said:

      That line's been bugging me for days. Are the laws over there so badly broken that you can face charges of forging your own signature?


      See and that's what I don't quite understand. I'm depositing a check to my name into my own account. Why would it matter what my signature is? Why would they warn me if I am found to be fraudulent I'd get a $12. What deturant would it be to get a $12 fee for fraud?

      Its just all so stupid that I would be stopped. Maybe if I was cashing the check then it would be an issue.

      To give you all closure on this, the money showed up in my account and its still there a week later.

      No harm no foul. I just don't like being accused of check fraud for signing my own name to deposit a check in my own name.

    3. Jodwin

      Jodwin

      geo said:

      See and that's what I don't quite understand. I'm depositing a check to my name into my own account. Why would it matter what my signature is? Why would they warn me if I am found to be fraudulent I'd get a $12. What deturant would it be to get a $12 fee for fraud?

      Assuming that you didn't show your ID to prove who you are it isn't about what you're trying to do with your check or whose account you're trying to deposit it to. It's a potential identity fraud more than anything else, ie. in theory it could have been your friend posing a you with a fake signature. It wouldn't matter that he's trying to deposit the check to your account, what would matter is that he'd be pretending to be someone he's not and, by proxy, be using a check that doesn't belong to him.

    4. geo

      geo

      Good point, I could be my friend posing as me. But they never asked for ID. Nor did I take it upon myself to show them.

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