You have to stay informed of everything concerning your financial dealings. Banks have changed.
Most banks don't check the signature on the check anymore. Anyone can sign your name. I was treasurer for my guild and wrote all the checks. When a new treasurer was elected we went to change names on the account and my name was never on it! I was signing checks for two years and my name wasn't on the account. The manager said unless the account happened to be pulled for an audit, the signature wasn't checked. I could have signed it Bugs Bunny, no difference. If I had written a check and cleared the account then it would up to the guild to press charges.