If the check came to you via Fed and you get an affidavit that it was not authorized to be paid to the named payee for the stated amount, you should be able to use the WIC/URCC check adjustment return within 90 days of the cash letter for the original presentment.
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John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
Bankers' Threads User #8