Let me add this note of interest on information I got from my local bank manager.
When I queried if a bank check is the best way to be sure that the funds are good, she relayed the following info to me. Also saying that this can happen as much as 30 days after the funds are initially deposited into your account and assumed to be good to go.
"The most typical answer is that the account the check was drawn on does not have enough money in it to cover the check. It might have when the check was written (or not!), but right now it does not. As your bank cannot get the non-existent money to add to your account, they cancel it.
The other, less common reason is the check is stolen, forged or otherwise fraudulent. It might be a real check, but the account owner did not write it, and it failed the security verification. It might be a fake check drawn on an account that does not exist at all, which is common for money forwarding scams.
The problematic thing with checks is that in many countries, the banks are required to show them as ‘available’ within a short time, like a few working days. But finding the source account has no money, or the check is fake can take longer - even up to a couple of weeks, especially if the check is from overseas.
Of course, since the bank never got the money, they cannot allow you to have it, so after that is discovered the check is reversed, and the money disappears from the bank account, even though it showed up for a short time.
This is one of the reasons very few places use checks any more (indeed, in some countries you cannot use them at all). They are slow, and rely on 19th century technologies, while more modern methods of instant transfer are far faster, and less susceptible to this issue, as an account with insufficient balance will not allow the transfer to happen.
One option is to wait a longer period (check with your bank) before using any of the funds from a suspect check, just in case it vanishes."
And when this occurs it is back on you to recover the lost funds. Check with your back for their ruling on these issues. YMMV ![:sunglasses: :sunglasses:](https://largescalecentral.com/images/emoji/google/sunglasses.png?v=10)