> a customer fell for a common scam No, the bank fell for the scam. They cleared the fraudulent check. But their TOS says their customers are on the hook for m

> a customer fell for a common scam No, the bank fell for the scam. They cleared the fraudulent check. But their TOS says their customers are on the hook for mistakes made (and hidden - there's no way to tell if a transaction really cleared) by the bank.