What would you do? -

W

woffer

Temporal Novice
Think about it, this is time travel related...

Ok, so I just got my paycheck and took it to the bank and cashed it. For some strange reason they were stupid and gave me my check back. They didn't make any markings on it, but I have no idea whether or not they already ran it though the computer or not. It seems they usually just look at the check and put it in the drawer to be processed later, but I don't know. Should I take the check and go deposit it again in one of my other bank accounts? Or do you think that would come back to bite me in the ass? If there are any bank tellers among you your advise would be especially helpful.
 
You take the check back to the bank, and tell them they made a mistake. You lay out the situation as it occurred. If possible, you find the original teller that you dealt with.

That teller is going to have a shortage in his/her till and get in trouble. So not only will you get in trouble when they find out if you deposit it twice ( and they will find out ), but the teller gets in trouble as well. They will notice as soon as they close out that tellers drawer and review the daily transactions, and figure out which transaction caused the drawer to be short...a missing check.


And, you were given the credit, but all checks are manually processed by the bank, in which an operator enters in all the appropriate codes off of the check, of which they wouldn't have to process.

So that means the credit to your account would be subtracted at some point in time. And knowing the banks, they would probably subtract it twice by mistake, then freeze your account until they could get the situation figured out.

If somehow the bank does allow you to make the deposit twice ( which they wont ) but even IF they did miss it...

Your employer would eventually notice that their payroll check got cashed/or deposited twice by you, so you could end up losing your job, and losing any possible positive references for the future. As a manager in the retail industry, we may not be able to tell anyone outright that a past employee was a thief, but we have our ways of getting that across to another manager who is making an inquiry.


Guilt has a way of building up and axeing your ass later in life. So, do what is right, and keep your slate clean.
 
In order to cash a cheque, they must run a tran code, on those funds, allotted within the register, of the organization, that had supplied you with the cheque.

I don't see how you could have gotten any cheque cashed, without both the teller and the computerized financial systems, both in the bank and the pay-out financial coffers, of the organization, that gave you this cheque, not knowing? Both the number of that cheque and or the code under which this cheque was processed must be known.

They must do this, for that pay-out companie's sake, or that organization would have a quarterly trip-up, in how much that company had paid out?
 
Where the trip could be, is that if that company would lot pay out, but not record individual transactions, as per-instance, on each cheque.

In otherwords, the virtual sea, would be say ACME Aerospace, of El Segundo, lot pays on paper, all company printed cheques, but records the payout, as being then, by the company books, as only a then ahead of time virtual transaction.

This would be considered in-lue time.

The actual; would be, that ACME Aerospace, records the draft from this intended funds, held just to pay out employees, as per any employees cheque, as this cheque is processed?

So you see, only as projected data, you have the real, or accounted as drafted on company intended accounts, as opposed to the virtual projected sea, which exist in virtual paper, or database only.
 
woffer,

They scan the MICR code (Magnetic Ink Charcter Recognition code) on the bottom of the check (the funny looking bars and numbers). The code lists the bank where the check was drawn, the account number and the check number. When it was machine scanned the data was transmitted.

I suppose that you could take it elsewhere and cash it again. But remember - this is your employer's money that you're toying with. They will most certainly catch the "mistake".

At best you'll get a somewhat "short" check next pay period. At worst you'll be doing some time in jail. Somewhere in between you'll get fired.

In court it won't fly as a defense that the teller mistakenly gave the check back to you and you thought that it was OK to try to cash it again simply because there was no posting mark on the back of the check. You received the funds and then knowlingly and willfully attempted to defraud your employer. This would apply even if the teller failed to scan the MICR code, handed you the cash and then in a state of confusion handed the check back to you.
 
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