[Max Raker]

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ManyBeers, I do understand what you are saying, when the bank tells you a check "clears" it is very resonable to think that the money is yours. I would assume the same thing. It turns out getting money from a check is more complicated than we thought, a few posters (who clearly have more knowledge than we do on the subject) have explained this very well. Your anger at your Bank is astounding. If you do send the check to the "Nigerians" (perhaps the most comical part of this entire thread was the debate on if the scammer/frauder was actually from Nigeria) your bank does not profit at ALL. That is why the bank is not scamming you. Your only argument is that your bank should do a better job of picking out bad checks. You do realize that the people who sent you the check are trying to steal from you. Infact, (this might be quite shocking to you) THEY DONT EVEN WANT YOUR GOCART!!!!!!!

(If you have been joking the whole time, kudos to you, this is one of the funniest threads I've ever read)

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I'll ask you one simple question: How do you know a check is good when you take it to your bank to cash and all you want is the money deposited in your account?

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I realize this is not that simple. I just wanted you to admit that its not the bank that is scamming you.