First Federal Bank Of Little River SC CSR Ripoff Bank Responsible for Account Overdraft Little River South Carolina

Duchess, you said, "I called the bank, and was told by the teller, I should've checked with the bank the check was drawn on before depositing it. Excuse me, but I thought that was the bank's job."


It is not be the bank's job to check on your deposit before you deposit it. It is yours to verify its authenticity before hand; the bank only verifies authenticity after the deposit. If you receive a check you aren't familiar with, or expecting, you need to figure out whether it's real. Large checks don't just drop out of the sky to the average person and I would have been extremely suspicious getting a check I wasn't expecting. Banks have to release your money within 5 days per the law, but the law still allows time to review authenticity of a check. If the check is considered a forgery, then they have the right to remove the deposit from your account and remember - the bank could take the position that you attempted to defraud them.... they didn't......

It's my guess you got caught up in the lottery scam in which you have to deposit the check you received and pay a portion to this 3rd party to cover taxes, service fees, or whatever the scam is these days. Don't blame the bank for your credit report at this point - this was your own doing. If you run into an issue - at least you can explain it to someone and they will likely give you a pass. Next time, be more skeptical of strange things that come in the mail......

Your recourse is to go after the check writer. If they are on the up and up, they will reimberse you as well as any fees that the check caused you to incur.

The bank did give you the correct information. Under law, they are required to make the funds available within a certain time period. In your case they complied with the law. This does not relieve you of the responsibility for the check if it is later dishonored by the bank upon which it is drawn.

Your only recourse might (I stress might) be if it was not returned within the time limit for a returned check. Often banks will return an item late just to see if they can slip it by. If no one screams, they win. Ask your bank to verify for you (in writing) that the check was not a 'late return'. If it was a late return, the bank it is drawn on has to eat the check.
Was this a lottery that you won, and you wired off the money to some stranger in another country?

The bank did give you the correct information. Under law, they are required to make the funds available within a certain time period. In your case they complied with the law. This does not relieve you of the responsibility for the check if it is later dishonored by the bank upon which it is drawn.

Your only recourse might (I stress might) be if it was not returned within the time limit for a returned check. Often banks will return an item late just to see if they can slip it by. If no one screams, they win. Ask your bank to verify for you (in writing) that the check was not a 'late return'. If it was a late return, the bank it is drawn on has to eat the check.
Was this a lottery that you won, and you wired off the money to some stranger in another country?

The bank did give you the correct information. Under law, they are required to make the funds available within a certain time period. In your case they complied with the law. This does not relieve you of the responsibility for the check if it is later dishonored by the bank upon which it is drawn.

Your only recourse might (I stress might) be if it was not returned within the time limit for a returned check. Often banks will return an item late just to see if they can slip it by. If no one screams, they win. Ask your bank to verify for you (in writing) that the check was not a 'late return'. If it was a late return, the bank it is drawn on has to eat the check.
Was this a lottery that you won, and you wired off the money to some stranger in another country?