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Responsibility for Check Deposited Through ATM

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Question: 
Who is responsible for a check that was deposited through an ATM? In this case the paying bank sends an affidavit of altered check 20 days after the deposit was made. Then calls to state the payee and endorsement does not match, but also states in the affidavit that customer stated it was not his signature and someone stole the check from the mailbox.
Answer: 

Sounds like the warranty by the bank of first deposit would apply, although the question is not framed very well.

First published on 12/01/2019

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