Depending on the circumstances, you could be responsible for the fraudulent checks deposited into your account. If the funds were credited to your account, the bank could reverse the credit to your account if the check is determined to be fraudulent.
You should never accept a check from someone you don’t know. As the payee of a check, you may have a cause of action against the maker of the check.
You should review your Deposit Account Agreement regarding when your bank can close your deposit account. Generally, a bank can close a deposit account at any time and for any reason, and any restrictions on that will be outlined in your account agreement.
Kristal M. Cowger, Attorney at Law
Blado Kiger Bolan, Tacoma, Wash.