However, a portion or all of the amount may be subject to a hold. Once you deposit a check, the cash value generally appears in your account. Understanding how checks work can help you plan for the possibility of a fake check. The amount of time it can take to realize a check is bad makes check scams a popular form of fraud. How long will it take for that check to clear so you know the money is good? When can you be sure you aren’t a victim of fraud? Say you sold something on Craigslist or at a yard sale, and the buyer paid you by check.
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