washington mutal Now CHASE WAMU OR CHASE have stolen over $35000. fresno, California

Seriously, what are you.....12?  You obviously have never had a checking account, not in your name anyway. 

I am in no way on the side of the banks, they're crooks.  Know this.

But when your actions are telling the banks that you are either;

a)  trying to be a bigger crook (never going to happen)

b)  so clueless and/or ignorant of current check cashing policies that you're asking for it

c)  a desperate investigative reporter who will do anything for a story, because you have an hour until your deadline.

You should be thanking your lucky stars that you're not submitting this report via your local county jails' law library pc!

If you ever happen to have a cashier's check in your posession again Genius, study the face of it REAL good!  If it's not there, look on the back.  Somewhere you will see a few vital words...  "VOID AFTER 2 YEARS"!         

You can barely write a semi-coherent paragraph and you call the bank employees idots (sic)?

LMAO 

Everyone is asking why wait 5 years....  Getting and holding cashiers checks is the dumbest and most risky way of hiding money.  Most likely the OP got the cashiers check and held it for so long because he was trying to screw someone -probably a creditor or an ex-spouse.  Cashiers checks are not FDIC insured like a bank account is - also they expire.  I don't know - but I bet that some time since that check was cut the OP either went bankrupt or got divorced.  He/She is lucky that all that happened is that the money was lost, as he/she is probably guilty of a felony if the purpose was to hide the funds for a divorce/bkruptcy court.

Why anyone would wait 5 years to deposit a check is beyond me, but regardless, the bank did nothing out of the ordinary..

Some types of checks will have a notice stating "not valid after 90 days..180 days etc"..but the FDIC is clear in what the banks are allowed to consider "uncollectable" .

There is no law that requires a bank to honor a stale dated check, which is considered after 6 months. Banks can apply their own policies, or to protect them for example if a teller cashed a check but misread the date, but it is still up to the bank.

Once again, although a bank can choose to honor a stale dated check, they are not required to by law..this info is copied from the FDIC, which I have become quite accustomed to reading these days...


FDIC Law, Regulations, Related Acts


6500 - Consumer Protection
c.  The fact that a check is deposited more than six months after the date on the check (i.e. a stale check) is a reasonable indication that the check may be uncollectible, because under U.S.C. 4--404 a bank has no duty to its customer to pay a check that is more than six months old.


Normally I would not side with the bank as I can distinguish what is "right" from what is "legal" or questionably legal, but this is a case of "reasonable". It is not "reasonable" that someone would deposit or cash a check after 5 years, hence the bank has a right to safeguard itself and the issuer, and to apply in reasoning the regulations put in place to back them up.

Let me get this straight - you waitied five years to try to deposit a $35,568 check, one drawn on a bank that no longer exists, and you think there will be no problems?

Chase bought WaMu over a year ago, and all WaMu branches have now officially become Chase branches. Every account holder was notified, and all accounts have changed (I know - I opened a WaMu account and now have a Chase account, but I had to get new checks because the account number is completely different).

How can you call the bank "unprofessional" for not having records of a check issued to you five years ago? Do you have all your records from five years ago? And why on EARTH would it take you that long to depost a check that large?

Something smells rotten in Denmark. I don't buy it for a second. No rip off and no theft.

correct me if i am wrong---but you have a check for 35k that is 5 years old and you wanted to deposit it and wonder why you have a problem???---i would suggest you type in clear and without run on sentences what you are talking about cause this is how i interpret this