this post was submitted on 08 Jul 2026
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No Stupid Questions
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What happened to checks needing to be cleared first by banks? Do they just accept them now and deal with it later?
I haven't used a check in... 30 years I think.
Most banks will, as a courtesy, deposit a certain amount immediately while the remainder waits to be cleared. My bank will pre-deposit $500 of any check and then the rest several days later. Or at least they used to. It's been like 10 years since I had to depsoit a check.
Depending on the amount and the history of the customer cashing it you may get the funds right away. Probably not for a 1000$ but less then 200 or so. Eventually it will clear and you'll get boned if it was bad.
The way I understand it, scammers use the most incapable, podunk banks possible so it takes the most amount of time to fully clear a check, usually hoping that the mark will cash it in and send the scammer a portion of the bad check, so the mark is left with the bag. From the mark's bank's pov, the mark has spent more money than they were ever entitled to.
I find it so weird that parts of the world never moved away from the cheque system. I used my last one mid-90s or so.
SEPA bank transfers are cheap and real time.
On top that cheque system is so ripe for fraud.
And then those parts of the world scoff at parts where people don't use a credit card for every little thing.