Well, I suppose since you use the verb "try", in theory one could "try" returning anything, anytime, and hope the depositary bank doesn't cry "Foul". But am I missing something in the conversation? If this is simply a matter of forged signature, it would seem that the midnight deadline applies, and the real question is whether your customer can demand reimbursement from the bank for wrongful payment. (And after 4 years, I'm thinking just about any state would say, "Nah.")
Or am I misunderstanding the question?
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