Under the Uniform Commercial Code, which most states have adopted, if bank pays on a forged item, they have to reimburse your account immediately. Its tremendously expensive and time consuming to compare every signature to the signature card, so the modern practice is to pay all checks, then refund the account if any forgeries show up (sort of like the Quadaffi policy- "Kill 'em all, and let Allah sort it out!".
I'd be going back to the bank, and maybe having a lawyer write them a nice letter, reminding them of the code section, Consumer Protection Act violations (with treble damages, attorney fees, etc.). Everyone hates lawyers until you pay one a hundred bucks, and your $651.37 shows up in the mail a few days later.
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Today's Featured Article - An AC Model M Crawler - by Anthony West. Neil Atkins is a man in his late thirties, a mild and patient character who talks fondly of his farming heritage. He farms around a hundred and fifty acres of arable land, in a village called Southam, located just outside Leamington Spa in Warwickshire. The soil is a rich dark brown and is well looked after. unlike some areas in the midlands it is also fairly flat, broken only by hedgerows and the occasional valley and brook. A copse of wildbreaking silver birch and oak trees surround the top si
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