Quote:
Originally Posted by EdFNJ
Because the check itself actually is or looks totally legit it's just the there is no money in the empty account. I've seen the checks on Youtube and on Judge Judy  where people show them. Since it takes a couple days to go through the system even if the bank checked the account there could be funds in it at the time and removed 10 minutes later plus what if the rejected a legit check? The legit customer would probably sue! |
I would agree if the check is a regular check. But, the OP is referring to a "certified" check. A certified check means that the funds are being held by the issuing bank and cannot be removed. If merchants can verify a debit/gift card instantly, the banking industry could tighten up the certified check process to do the same thing. The only way this scam works is if the certified check is counterfeit.