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UCC UETA UGMA Unauthorized Checks/Drafts/Transactions/Withdrawals Unclaimed Property Unemployment Comp Unfair & Deceptive US Banking System USA PATRIOT Act Useful Info UTMA denotes Guru Question & Answer. UCC Cashing Post Dated Checks Bank Liable on Forged Signature Claim from Jan 05 Signature Required on Phone Stop Pays? Cashier's Check Lost in Mail - Reissue a New One? Member Demanding Original Paper Checks Late Return or Not? Account Ownership Change Time Frame to File an Affidavit on Forged Items Joint Tenants & Check Payable to "And" Time Frame for Checking Statements Who Takes the Loss? Missing Indorsement - Check Return Financing Statement Expiration Acceptable Endorsement Check Payable to Two People with No "And" or "Or" Return of a Counterfeit Check Cashier's Check Returned Stop Pay - What Now? Cash or Bearer Check - Endorsement Required? Check Return Governed by UCC or Reg CC? Is a Chattel Mortgage Always Required? Endorsement Required on Check Made to Cash? Extenuating Circumstances Forged/Altered Check Charge Back Stop Pay - Reason Required? Incorrect Check Number Given on Stop Pay Check Written in 2002 and Paid in 2007 Reissuing Cashier Checks When is a Check Considered Stale Dated? Verbal Stop Pay Number of Times an NSF Item Can Be Presented Forged Check Return Rule Cashier's Check or a Teller Check? 3 year Statute of Limitations - Beginning Date Stop Payment on an Official Check Mobile Home Lending and the UCC Article 9 - Reversing Unauthorized Terminations Lien Position on Loan Secured by CD Endorsed and "For Deposit Only" A Resource to Refuse Claims from the Drawee Bank Deposit of Check with Ambiguous Payees Unauthorized Computer Generated Check Returning an Unauthorized Telephone Check Attempting to Deposit a Fax Copy of a Check Reimbursing the Paying Bank for Forged Item Imaging - Customer Is Demanding Original Checks Stop Payment Orders - After the 6 Months Breach of Encoding Warranty - Time Limit Time Limitation on Forged Maker/Forged Endorsement Is This Out of the Time Frame? Cashing a Check with Two Signatures and One ID Placing a Hold on a Cashier's Check Signing an Affidavit for a Lost Cashier's Check UCC - Only Rerun NSF Item Twice Stop Payment on Interest Checks Reversing a Domestic Wire Transfer UCC & Check Issues(PDF) Check and Deposit Issues (PDF) Forgery and Endorsement Issues (PDF) Do You Believe I Tore Up a Cashier's Check? Inadequate Endorsement Fed Helps Cancel Fraudulent Paper Drafts Joint Payee Checks Non-customer Check Cashing Payee Endorsement UCC & Ambiguously Named Payees Suit on Stopped Check Proper Endorsement for Checks to DBA Required to Send Notification of Overdrafts? Time Limit for Disputing Forged Item Time Frame to Return Cashier's Check to BOFD Ordinary care in sight examining checks Checking endorsements Wire transfers to account not owned by recipient RCK Transaction Collection Old unprocessed deposit problem Missing Indorsement on ATM Deposits SPOTLIGHT ON�Return Items, Part II Training Page: Spotlight On�Claims Are We Left Holding the Altered Check Bag? Checks Payable to Me AND You, Me OR You Stale Dated Checks The Check Isn't Payable to "And" or "Or," But "/" Liable for All or 1/2 the Amount of the Check? Deposits into ATM ACH and UCC 4A Hold notice for pending chargebacks? Purchase Money Loan for Wedding Ring Corporate check cashing Are We Responsible for "Buyer's Remorse"? Time Limit For Returning Cashier's Checks Where is the UCC? Stop Payment on a Loan Disbursement Check Statute of Limitations for Forged Endorsements UCC and Legal Names Obtaining Information on Check Fraud Claim Time to Refer to Maker Who Is Liable For The Stolen, Negotiated Check Our Readers Speak: Taking Losses on Forgeries Deceased Payee & Forged Endorsement Liability for Forged Checks Forged for Payment of a Retainer UCC "And" "Or" and State Adoption Stolen cashier's check Guru Compilation: Checks(PDF) Signing with an X On-Us Checks Written in Foreign Language Returning Unauthorized Draft on Commercial Account Recovering On A Counterfeit Check Cooperative UCC Filing- Continuation Counterfeit Check Responsibility Crop Liens Should be Filed Where? Check 21 Endorsement Importance UCC: Practical Application Counterfeit Item in Customer's Statement Does a Check Have to Be Dated At All Helping Employees Understand Float When Cause of Action Accrues Under UCC Without Prejudice Endorsement Check 21 to Improve Efficiency in Processing Signature Requirement for UCC-1 Improper Endorsement Claim Non-expiring Stop Payments Stopping a Collection Item Learning the UCC Reversing Customer Name on Styling Ambiguous Payee Designation? Forged Checks Affidavit Fraud Involving Corporate Employee Crooked Bookkeeper Strikes Again Definition of Third Party Check Written Policy: Using Rubber Stamps For Signing Business Checks UCC Recording Fee Treatment Under Reg Z Check Payable to One Person for Another Definition of Third Party Check UCC Filing Required on Mobile Home Loan? Employer Left Signed Blank Checks UCC & Cashing Checks For Non-Customers Cashier's Checks, Money Orders, and Certified Checks Depositing a Trust Check Into Individual Account Midnight Deadline and Counterfeits Refusing Oral Stop Payment Orders Retaining Records Regarding Forgeries Limit on Presentment of NSF Item Old altered check problem Liability Waiver on Lost/Stolen Checks Customer Forgery Claim Bank's Responsibility for Fraudulent Check Deposit Two Forgery Issues: Stolen Check Affidavits & Using Images Instead of Originals Savings Overdrafts Caused by Chargebacks Late Returns When a Cashier's Check Is Stolen Are official checks considered "certified"? Learning the UCC Missing Endorsements on Checks Responsibility For A Forgery: The Institution vs. The Customer Revocation of Consent to Endorse Checks Official Checks & Declaration of Loss Oral Stop Payments and the UCC Claiming Forgery on Old Checks Exception Holds for Next Day Availability Taking Stop Payment Orders by Phone Missing Checks: Who Bears Loss? Accepting Deposit of Third Party Checks Timeframe for Return of Unauthorized Telephone Drafts Handling an Altered Money Order Stop Payment on NSF Check Customer Involvement in Forgery Scam Re-issuing a Cashier's Check Earlier than 90 Days Partnership Name and Filing UCC Documents Altered Check: Who Pays? Joint Account Styling: Is "or" or "and" required? Only one name on joint account checks? Forged Endorsement & Section 3-405 Do cashier's checks become stale dated? Return Of Draft, Fees, and UCC Deadlines Can a non-English speaking customer write a check in a foreign language? Who Is Liable For Altered Check? Are Official Checks and Cashier's Checks the Same? Returning Fraud Checks Through Fed Self Defense Applying The Proceeds From A Check, With A "Credit to the account of" Endorsement, To Other Customer Accounts Refiling A UCC For A New Loan Charges For Checks Paid Against Insufficient Funds Check Paying Order Check Fraud And The UCC What is the UCC Code on the time frame for a forged/improper/ missing indorsement? Copies Of 'Old' Checks: Who's responsible? Forged endorsements and the UCC Returned Check Losses --Are they 1099C reportable? When the Payee Line Is Blank Cash Back to a Nonsigner Two Signatures Required UCC, Bankruptcy, and Secured Lines of Credit UCC Continuation Problem Check Review Threshold - What Is the Standard? Disclosing the SSN on UCC Documents NACHA Rules & Notice Requirements Cashing Altered Checks No Payee on the Check: Who's Responsible? UCC, Reg J, and Reg CC: How late can the late return be? Negotiating Checks Payable to Multiple Parties Pay an item one day and return it the next? Breach of the Peace - Are Punitive Damages Possible Question & Answer Question & Answer Question & Answer Question & Answer Question & Answer Question & Answer EDITORIAL - "What 'New' U.C.C.?" UETA E-statement Disclosures Electronic Disclosures and Contracts - Part 2 - Understanding UETA ESIGN & UETA - A Closer Look Where UETA Is In Effect Web Page Insurance Affiliate Disclosures UGMA Two signatures on UGMA/UTMA account? Fiduciary Responsibility on UTMA Account Listing Successor Custodians On UGMA Accounts Designating A New Custodian For An UGMA Account Responsibility For Disbursements From UGMA Accounts Depositing Checks From A Minor Into The Guardian's Account Question & Answer Question & Answer Unauthorized Checks/Drafts/Transactions/Withdrawals Angry & Confused Over Reg E Debit Card for Sole Proprietor Reg E � Customer Disputing Merchant�s Charge Bank Liable on Forged Signature Claim from Jan 05 Consumer Liability Determined by Reg E or Visa? Unauthorized Transactions - Police Report Required? Unauthorized POS Debit Commercial Account unauthorized transactions Parent's Debit Cards, Minors & Internet Purchases Do We Follow Visa Rules or Reg E? Timeframe for Unauthorized Check Return No Provisional Credit - No Real Proof Needed? Reg E & Non-resident Aliens Corporate Customer/Timeline to Dispute Unauthorized ACH Return of Unauthorized Pre-authorized Draft? Adult Son on Safe Deposit Box Signature Card Debit Draft Form Unauthorized Paper Draft/ When Do We Recredit Acct Reg E Claim Denied - Re-Evaluated for Bank Officer Unauthorized or Revoked ACH Debits Returning Remotely Created Checks Returning an Unauthorized Telephone Check Helping Customer Resolve Stolen ATM Card Issue Reg E & Possible Customer Negligence Customer's Time Limit on Unauthorized ACH Entries Unauthorized EFT - Bank Notified After 60 Days Time Limit to Credit Unauthorized Drafts Preventing ACH Debit Errors Business Customer Claims Unauthorized ACH Time Frame For Return Of Unauthorized Draft Time Frame To Contest Preauthorized Check? Reg E, Disputed Check Card Transaction, and Written Confirmation Self Defense How many days do we have to return an unauthorized draft on one of our customers? Who Assumes The Loss On Unauthorized Checks? Unclaimed Property Poor Box Drilling Procedures Create Rich Box Renter POD's Whereabouts Unknown Levies on Dormant Accounts Death of Sole Safe Deposit Renter Return Deadline: Bank Money Order Safe Deposit Box Drilling: What do you do with the contents? Is there a time frame for claiming funds from a failed institution? Shrinking Your Dormant Accounts Unemployment Comp The Basics of Unemployment Compensation Law Unfair & Deceptive Reg. AA and Pyramiding Late Fees Late Fee Begets Late Fee Predatory Lending: Lessons Learned Unfair or Deceptive: Avoid Like the Plague Bank Liability in the News Unfair or Deceptive Acts or Practices (UDAP) Sample Review Checklist Getting Too Free With Fee Income When Banking is Unfair and Deceptive It's Not Nice To Deceive Your Customers EDITORIAL - Changing Unfair And Deceptive To Fair And Non-Deceptive Arms Length Consumers? COMPLIANCE NOTES - Switching Gears Problem Practices Bait and Switch US Banking System The Origin of the American Banking System USA PATRIOT Act CIP and a UTMA Account CRA & AML Employee Handbook Information Evaluating Fraud and PATRIOT Act Solutions FinCEN, the information sharing certificate, and program elements BSA Compliance Matters Evaluating Fraud and PATRIOT Act Solutions E-filing your BSA reports (PACS) CIP: Verifying Student Loans OFAC & PATRIOT Act Deadlines: What can wait? What's the difference between KYC & CIP? Section 314(a) Records Requests USA PATRIOT Act: Credit Card Cash Payment Limit? Verifying The SSN & CIP IDENTITY CHEK compliant with newly released Section 326 of the USA PATRIOT Act Mutual Banks, Customers, and Section 326 -- Lexis/Nexis 314a Documentation Spreadsheet BOL Letter to FinCEN re 314(a) Requests FinCEN Letter to BOL re 314(a) Searches Handling A Hit On The Terrorist Watch List USA PATRIOT ACT: When does our CIP Program have to be in place? Preparing for Section 326 Who are you? CIP Program Implementation Deadline CIP Compliance Delayed Life After The Moratorium 314(b) Information Sharing Update FinCEN List Nuts & Bolts USA PATRIOT Act: CIP & Photocopying The Driver's License The Changing Face of Money Laundering and the Role of the Bank in Detection PATRIOT Act Customer Notification Will we need to obtain a copy of a driver license for a guarantor on a loan? USA PATRIOT Act: ID Requirements For A Minor Under the US Patriot Act, is it necessary to obtain a COPY of a social security card on account holders? Policies That Satisfy USA PATRIOT Act and BSA USA PATRIOT Act Account Opening Worksheet Adequate Advance Notice Under Section 326 The USA Patriot Act and the Sleeper Provision USA PATRIOT Act PATRIOT Act Reporting Compliance: 120 Business Hours or Actual Hours see CIP Useful Info Wholesale Banking CurrencyChangeover? Earthquake! Here Comes The IRS... Know Your Money Let's Start With The Top Part Of The Fraction� New Post Office Delivery Schedule Policies & Procedures: Are They In Writing? Reading, 'riting & 'rithmetic SOCIAL SECURITY NUMBERS - USE & ABUSE Treasury Tax & Loan Deposits�And "Off-us" Checks UTMA Protecting Bank from Possible Minor Mischief Opening/Styling Minor Savings Account Death of UTMA Custodian Minor Check Cashing UTMA & Minor Saving Accounts Custodian's Funeral Paid by Minor Account? UTMA with a Co-custodian Minor Payroll Check Cashing Beneficiary Access to UTMA Funds Custodial Check Cashing Against a Minor Account Minor's Account - Death of the Custodian Custodial CD Passes to Estate? Do We CIP Minors? Custodian Closing an UTMA Account UTMA Account -- Minor Now Adult Who is Liable, Bank of First Deposit or Payor Bank? Tax Impact of Donations to an UTMA Trust New Account: Creating an Account to Benefit a Minor Two signatures on UGMA/UTMA account? UTMA Account Styling Who Can Be a UTMA Account Custodian? CIP and a UTMA Account Death of Custodian on UTMA Fiduciary Responsibility on UTMA Account SSNs & Savings Account For Minors Using UTMA Account As Loan Collateral Account for Institutionalized Customer UTMA & Offsetting Overdraft Charges From Other Accounts Can a UTMA be a demand account? UTMA: Can a minor withdraw money from the account? Titling & Documenting UTMA Accounts Can an account established under the UTMA also have a POD? UTMA: How should the custodian sign the signature card? UTMA: Can you name a successor beneficiary? Account Styling: How do you style a minor's estate? UTMA - Who can Endorse Check? Custodial Account Closing: Can either parent close the account? UTMA & Garnishment Question & Answer Privacy Policy Disclaimer Recommend This Site ! Contact Us BankersOnline is a free service made possible by the generous support of our advertisers and sponsors. Advertisers and sponsors are not responsible for site content. 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