A customer purchased a cashiers check from our bank. A couple of weeks later he came in and said the check was missing we completed a affidavit for missing insturments. During our research we were able to determine that the check had been cashed by a bank in Richmond. We made a copy of the check and contacted the customer. His endorsement was forged and there was a second endorsement. The customer reconize the second endorsement (that of his former spouse. Our bank has returned the check to the paying bank as a forged item. Two questions first, since the check was cashed by the bank in Richmond is it this banks responsibility to take legal action and second, when must we refund the amount of the check to the customer,(time frame).