I have come across conflicting information on this subject.
We have a customer with a Savings acct. A new teller had cashed a large check for this customer, that was charged back, therefor, leaving a negative balance in their acct. We have used other recovery techniques, but have been unsuccessful. We pulled a ChexSystem/Efunds report at time of acct opening. Can we legally pull a new report to see if there may be updated information that has been entered by another institution?