Under mainstream check processing procedures, you may not generally be held accountable for re re re payments you did not authorize. The apppcable legislation is a state legislation called the Uniform Commercial Code (UCC). Your precise rights, how long you need to register a claim, as well as the method you are able to register a claim, varies according to the way the UCC had been used within the state that is relevant.
The UCC also apppes if your check that is substitute included, but therefore does the Check 21 Act. Always check 21 offers up an unique refund called an “expedited recredit” that apppes only if you received a replacement check. To acquire this reimbursement, you generally speaking should speak to your bank within 40 times of the date your bank offered you aided by the substitute check, or even the date of this bank declaration showing the difficulty.