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What can I do if the bank loses my check after I deposit it ? Shouldn't they have to credit my account ?


My husband went and deposited 2 payroll checks of the exact amount each. He went inside spoke to a teller and got a deposit slip and left. 4 days later i'm checking our balance online and it show that one of the checks was deposited but the other one wasn't. it show a deposit correction of 527.43 and that once the processing dept of the bank recieved the checks they only got one.And now the bank is investigating what happened to the other check. meanwhile i'm out of 527.43. What can i do . Is the bank responsible and should they have to credit it to my account?

As long as you have the deposit slip proving the teller received two checks, you should be safe. The bank is being a jerk over it.

What's to investigate? The lost the check and now they are the ones in trouble. They will probably ask you to go back to your boss and request a duplicate. Tell them to stuff that. They left you without your money for several days (weeks) so why should you do them any favors?

You will need to pursue this through your state banking regulators. Not sure what state you are in, so I can't be of much help on this.
YES. Thankfully he went to the teller and got a receipt rather than the ATM which they would have said was his error. Its wrong what they do. Talk with the manager always not any teller about it. I hope it is soon resolved. This happened to our daughter and she had a copy of the check and a receipt and still she had to wait until Bank of America found it. She has since moved on to another bank. I read they are doing well with huge profits!
If you have deposit receipt you will have to press the issue...they may take up to a week or 2 to correct the problem.
If it was an ATM deposit..it will take longer because some times people make false deposits and fraudulently claim they made the deposit.
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