If the bank decides to refuse a customer's deposit, e.g. verified that the check is fraudulent, does the bank return that check back to the customer or should the bank retain the original check and get it out of circulation? Is there any liability for the bank stating it is fraudulent, versus, stating they suspect it is fraudulent? Is the check being deposited considered the property of the customer and should be given back. I know if the check was missing a signature or endorsement, etc, we would return the original check. Just didn't know what to do if counterfiet.