I did not realize it was SO easy to commit check fraud with valid routing and account numbers.
Bob
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"...Site popular with fraud artists MSNBC.com first warned consumers about Qchex.com more than a year ago. The site offers consumers the ability to register their checking accounts, then send checks via e-mail. But the service quickly became popular with fraud artists who discovered that Qchex didn't verify that its users were the legitimate account holders before giving them the ability to draft checks drawn on an account... . . . The Federal Reserve last year adopted an amendment to its checks regulations that makes the bank that cashes a demand draft liable for losses if it is fraudulent. Previously the bank that had the account the check was drawn from was liable. The new regulations went into effect in July and it is not yet clear if the change is stemming fraud using demand drafts."